Monitoring and Reporting

The performance of the various funds in your portfolio will differ over time. If left for a long period of time, therefore, the proportions of the different asset classes they represent will change and this could result in a divergence from your original risk profile. For example if equity funds outperform fixed interest, your portfolio left unaltered would move up the risk scale and vice versa.

For this reason, we recommend that your portfolio is regularly reviewed to ensure that the asset allocation is as intended.  The period between portfolio reviews depends on the service level that you require but will typically be between three months and a year with the clients signing up to the top level service getting quarterly reviews.

At our review meeting, we will ask you to complete a further risk-profiling questionnaire so that, if your risk profile score has changed, we can realign the asset allocation of your portfolio accordingly.

At 3 monthly intervals, our investment committee meets to assess the performance of our portfolios and their component funds.  The investment committee monitors the performance and metrics of the funds whilst re-assessing all the funds in the marketplace, using our initial filtering criteria.

If the committee feels it necessary to change a fund within the portfolios then we will switch you into our current portfolio at your next portfolio review date; this will depend upon your service level agreement.  

For the clients who are on our top level service agreement, we will update their portfolios whenever we make any amendments to our model portfolios so they will always have the most up to date portfolio.  Minutes of our investment committee meetings are available on request.

We do not act on a discretionary basis so we will contact you and ask you to authorise any switches beforehand.  We cannot act without your authority.

We generally use investment platforms to deliver our investment proposition.  You will be able to access real-time, online valuations through these investment platforms for your platform based investments.

The Financial Services Authority does not regulate trust or tax advice.

Investments and the income from them may fall as well as rise in value.

You may get back less than you invested.

DTE Risk & Financial Management Limited is Authorised and regulated by the Financial Services Authority

Registered office: DTE House, Hollins Mount, Bury BL9 8AT  Company number 01967512 (England)