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investment

Services

Our management of investment portfolios reflects the diverse and unique risk profiles and objectives of our clients. Through detailed understanding of your financial goals and objectives, we can construct tailored solutions to meet your needs.

Advice and product fees may apply.
The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

  • Discretionary investment management

    We manage your portfolio, and make all investment decisions on your behalf.

    At Adam & Company, we believe that no two individuals have the same attitude towards, or ability to take on risk. Our Discretionary Investment Management Service is designed to help each client achieve their investment objectives efficiently and effectively, whilst focused on delivering the highest levels of client service.

    Your investment strategy

    The starting point for every new client is understanding what you wish to achieve with your wealth. We will take into account a range of factors, such as your attitude to risk, whether you need income or capital growth, or both, your family circumstances and your inheritance plans.
     

    Selecting and managing investments

    We take a long term approach to investments, which we believe gives us an advantage in a world where markets and media are increasingly focused on short term news. Portfolios are constructed to best meet the needs of our clients, based on the information that they have provided and their specific investment needs and risk tolerances. The asset allocation strategy for your portfolio is tailored for you, but is likely to include direct investment in equities and bonds, and in collective investment funds.

    Keeping you informed

    We will keep you up to date with portfolio composition and performance through a detailed quarterly report. We will carry out a full review with you every 12 months. Our contact with you will be driven by your wishes and requirements, through a dedicated Portfolio Manager and their knowledgeable support team. We will also keep you up to date at other times throughout the year.

    The value of investments and the income from them can go down as well as up and you may not recover the amount of your original investment

  • AIM listed portfolio service (ALPS)

    Superior growth potential now, with tax advantages over the longer term

    At Adam we understand that maximising the potential for growth today, as well as protecting wealth for tomorrow, is something which is important to our clients.

    Our AIM Listed Portfolio Service (ALPS) has been designed with both these factors in mind. The service provides the opportunity to invest in shares quoted on the Alternative Investment Market (AIM), in order to take advantage of the prospect of enhanced growth, as well as tax efficiency.

    ALPS investment approach

    We apply the same rigorous investment selection process that serves all of Adam investments — with companies required to meet our exacting requirements before we will choose to invest. We believe that in the medium to longer term, investment in AIM companies that meet such criteria will produce income and capital gains.

    The Alternative Investment Market (AIM)

    Established in 1995, AIM was originally designed as a 'seed bed' for developing companies wishing to raise funds to finance future growth. It has been a resounding success in fulfilling its initial aspiration and today continues to build on its reputation as an international and dynamic market place where companies can raise capital both efficiently and cost effectively.

    AIM is an international market for smaller companies. Today it has around 3,000 member firms, ranging from smaller, younger companies to larger established firms.

    Tax efficiency through AIM investment

    Under current UK tax rules, investments into qualifying AIM shares should attract relief from Inheritance Tax (IHT) once the shares have been held for a minimum period of two years. This is known as Business Property Relief (BPR). 

    AIM shares may also attract Gift Holdover Relief for the purposes of Capital Gains Tax (CGT).

    The portfolio is periodically reviewed by a leading tax advisory firm. It’s also possible to shelter part of your ALPS investment in an ISA.

    Tax reliefs should not be the main reason for investment and these should not outweigh investment criteria. Tax reliefs and the rate of tax can change and HMRC may alter or remove entirely the current tax reliefs for AIM companies. This could adversely affect your position and losses may exceed tax reliefs. The value of any tax reliefs to any individual depends on the particular circumstances of that individual and it is your responsibility to take your own specialist tax advice on whether use of the service is suitable for you.

    YOU ARE STRONGLY RECOMENDED TO SEEK INDEPENDENT TAX ADVICE

    The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

  • Discretionary managed ISAs

    Tax-efficient investing

    Through utilising your individual ISA subscription allowance each year, an ISA wrapper can protect your investments from Capital Gains Tax (CGT) and offer tax advantages for the income generated. In the 2017/18 tax year eligible individuals can invest up to £20,000 in an ISA.

    With our discretionary managed ISAs, Adam & Company selects your investment assets and manages your ISA portfolio. Your ISA portfolio can be managed independently or as part of your wider portfolio. For example, you could use it to generate a tax-efficient income while the remainder of your portfolio is geared towards capital growth.

    The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

  • OEICS and unit trusts

    Collective funds that help to manage you and your family’s wealth effectively.

    We have helped a number of clients to establish an OEIC (open-ended investment company) or unit trust, either for themselves or for a family group. The funds within the OEIC or unit trust are subsequently managed by Adam & Company, with a bespoke investment strategy tailored to meet your specific needs.

    OEICS and unit trusts established in this way can be a tax-effective way to manage family wealth. This can also help make succession planning simpler through the transfer of shares.

    The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

  • LF Adam Worldwide Fund

    A global fund that aims to achieve capital and income growth.

    A global fund that aims to achieve capital and income growth. The LF Adam Worldwide Fund is a global equity unit trust that we have managed since 2002. The Fund is invested in the shares of well-capitalised and soundly managed companies in the UK and overseas. Because the Fund is not constrained by any geographic or sector weightings, we're able to invest in the areas where we see the greatest opportunities for steady, long-term growth.

    Download the latest quarterly factsheet

    Investing directly in the fund

    Please speak to us for further information. Alternatively, you can find information about investing in the fund on the Capita website.

    The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

  • Charity and trust services

    We manage funds for charities and trusts and help them meet their investment objectives.

    Adam manages funds for more than 100 charities. These cover a range of causes — from child and animal welfare to the arts. Our clients also include a number of privately held trusts.

    Our clients are located in Scotland, England and Northern Ireland, our experienced team provide the highest level of care, service and professionalism.

    The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

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