Accudo Investments

read moreWe have built our business so that we can offer the appropriate elements of investment and pension planning all under one roof, which we believe sets us apart from many competitors who outsource various parts of this process, for example the pension transfer advice and/or the portfolio management component is frequently outsourced by many of our competitors. Come and see us for an informal chat (or if you live further afield we can set up a zoom or skype appointment) and allow us to get to know you and your circumstances and give us a chance to see and explain how we may be able to help.

read moreHaving developed into predominantly Investments, Pensions and Income Drawdown managers, where the portfolios are meant to last and provide income for a lifetime, the emphasis in our investment approach, is achieving necessary growth to ensure the capital preservation and income needs of our clients. This implies optimising the growth potential versus the portfolio volatility or, in simpler terms, achieving the best possible growth with the minimum necessary volatility and downside risk. Our experience has taught us that clients are much more concerned with reducing scope for reduction of the value of their pension or investment pot than missing out on the best possible growth which has led to this relatively defensive approach to portfolio management.

read moreWhen constructing our portfolios, we use a range of open-ended and closed-ended collective investment schemes such as Unit Trusts and OEIC's (Open Ended Investment Companies), Investment Trusts, and ETF's (Exchange Traded Funds). The ultimate objective is to achieve an efficient mix in terms of performance, diversification, and cost-efficiency of the ongoing charges by blending passively and actively managed investment vehicles. Selecting an appropriate wrapper is an essential part of a tax-efficient portfolio management strategy.

read moreSince the pension freedoms were introduced in 2015, Pensions have become one of the most tax efficient and flexible ways of saving and with more and more emphasis being placed on the individual to save for retirement, we see pension planning as a fundamental way of helping individuals plan for their future and we take enormous pride in being part of this process. Many new clients come to us having a disperse range of paid up pension plans from previous periods of employment and it is often the case that people feel that they have no control as there is a lack of understanding regarding what has already been accrued and what the options are.

read moreWe do not directly advise on specific annuities at Accudo, this is because we have found that those brokers who specialise in annuity sales only, have significantly higher levels of business in this area than Accudo and are therefore able to obtain better rates for clients, both for standard annuities and enhanced annuities (those which offer better rates for ill health reasons or lifestyle factors). As a result of the above we work closely with a specialist annuity provider who can provide you with market leading rates and a good level of service, Accudo acts as an introducer in this arrangement and if you proceed with any annuity purchase we are paid an introducer fee, which is fully disclosed to you.

read moreBoth novice and experienced investors seek advice from us when they want to start drawing on their retirement funds. Drawing money down is a big decision, and we provide our clients with personalised support whatever their stage in life. In simple terms pension drawdown (also known as Flexi Access Drawdown) allows you to withdraw up to 25% of your retirement fund as tax-free cash, and to also withdraw an income in exactly the manner that is suitable for your specific circumstances. When it comes to drawdown, there are 2 ways of accessing your money before you officially retire.

read moreAt Accudo Investments we offer three basic levels of service: Asset Builder Service, Wealth Management Service and Gold Service. This is intended for portfolios in their "embryo" stage. Typical value is up to 100,000 and the emphasis is on building the investments towards the Wealth Management Service level by using cost efficient quality usually passive funds. The service offers initial portfolio construction and ongoing monitoring of the investments with actions taken when needed as well as access to our advice in other financial matters when requested.