A collective investment scheme is a form of investment fund that enables a number of investors to “pool” their assets and invest in a professionally managed portfolio of investments. Typically, the portfolio will comprise gilts, bonds and quoted equities, or less commonly unquoted investments or property. Investors in such schemes are able to spread or reduce the risk that is associated with investment in such assets as well as gain the benefits of professional management.
The value of an investment in an OEICs or unit trust is based on the total value of all investors’ funds – referred to as the net asset value. Investment trusts, however, are quoted on the stock market and so the value of an investment into an investment trust will likely not be equal to the value of the underlying holdings. For this reason, investment trusts can be considered to present a higher investment risk that OEICs and unit trusts.
The range of underlying investments that collectives may invest, or specialise in, is significant, from lower risk gilts (government debt) and corporate bonds to developed market equities and specialist equities.
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We would like to say that 'Until 2004 we managed our own investments but then saw in a daily newspaper that Dawn was 2nd in a competition for the UK's best female financial advisor. She was based near us and we went for an initial meeting where we found her very straightforward and informative. She has invested since in areas far beyond our limited expertise and has increased our portfolio and managed it to our entire satisfaction. We are worry free, trust her implicitly and it was the best financial decision we ever made. We are able to keep in good contact with her and we look on her as a friend as much as an advisor. We would feel genuinely lost without her.
Dawn started looking after my pension around 1990. A target was set for each year and I was supplied with an annual detailed review showing progress. She has always made herself available either on the phone, in person, or by email if there were any queries or just to chat about the overall state of play. I followed Dawn’s instructions over the years with the result that by 2012 pension funds had grown to target and I was able to take the pension earlier than predicted and it allowed me to work part-time. I value Dawn’s advice and she continues to steer my savings. Without her I feel I would not have had such a good result.
Thanks to Dawn Slater's invaluable, dedicated and totally reliable advice over several years I can quite simply say that I am more than happy to continue relying upon Dawn Slater Wealth Management to advise and invest for me.