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Private Clients and Charities

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Private Clients

During periods of market volatility, investors and their advisers focus not only on capital appreciation but also capital preservation for clients.

Our experience of over 30 years in managing private client portfolios enables us to focus on our clients' wealth creation and wealth preservation. Our aim is to make our clients' investment lives relatively simple whilst allowing them access to some of the most sophisticated and contemporary investment capabilities globally, through our in-house investment teams and externally through our chosen external specialist fund managers.

GAM has always believed that portfolio management organisations should be neither bankers nor brokers, but independent owner operated professional entities, such as GAM is today.

We create fully diversified portfolios that combine GAM’s expertise in asset allocation, fund manager research and active investment management. We then scale these portfolios to various risk levels to offer clients the most suitable investment products
Charles Hepworth, Investment Director.
Viewpoint - Q1 2021

GAM's quarterly insight: interviews, discussions, profiles and more.

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"from the connectivity of billions to the connectivity of trillions" - the future drivers of growth will be disruptive technologies such as IOT, 5G and AI, i.e. "Digital 4.0"

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INVESTMENT BLOG

Blog
Inflation prints remain contained
Wednesday, March 31, 2021

Euro area inflation as measured through the flash consumer price index (CPI) estimate showed a 1.3% year-on-year advance – slightly below the consensus estimate of a 1.4% advance.

Blog
UK pours cold water on inflation narrative
Wednesday, March 24, 2021

Just when the dominant market narrative was for higher inflation expectations, the UK poured cold(er) water on that theory.

Blog
Furlough cannot last forever
Tuesday, March 23, 2021

The UK unemployment rate for the last recorded quarter that encompassed two separate lockdowns in the UK came in at 5%, slightly better than estimates of 5.2% and an improvement of 0.1% on the previous quarterly report.

Thought Leadership

Investment Opinions

7 min read

US housing: A market immune to a pandemic?
14 April 2021

GAM Investments’ Tom Mansley provides an update on the strength of the US housing market and discusses why certain metrics, such as housing affordability, availability and debt servicing levels, continue to be supportive for investors in the US residential mortgage-backed securities (MBS) market.

Investment Opinions

8 min read

The subordinated debt solution to rising rates
13 April 2021

In a world of record low interest rates, traditional bond investors face an asymmetrical risk-reward scenario, capturing little income while facing the threat of declining prices due to rising rates. Atlanticomnium’s Head of Research Romain Miginiac believes subordinated debt can offer an attractive value proposition, potentially enabling investors to capture high income with low sensitivity to interest rates.

Investment Opinions

6 min read

Multi asset perspectives: The Rebound in Context
12 April 2021

GAM Investments’ Julian Howard outlines his latest multi asset views, discussing the pressures of rising inflation expectations on equity markets, what the long-term outlook is likely to hold and how investors might realistically position for it.

Resources

Private Clients Overview

Responsible Investment Policy

Charities

GAM has been managing investments for charities, foundations and philanthropic trusts since 1988. We specialise in managing discretionary multi-asset portfolios, designed to address the unique requirements of each individual client.

We will work with you to build a high-quality, dynamic investment portfolio, based on an active approach to asset allocation and access to some of the world's most talented fund managers.

We aim to deliver consistent, superior returns, clear communication and attentive client service. We don’t run a common investment fund; instead, we build bespoke, multi-asset portfolios using the traditional asset classes of equities, bonds and property. Our focus for charities is on transparency, liquidity and value for money.

Ensuring the appropriate mix of investments

We believe that the best way to achieve the optimum investment returns for our charities over time is to diversify investment portfolios across a range of different asset classes. We are convinced that it is not possible to pick consistently, and with absolute certainty, the winning asset class year on year; a diversified approach is crucial to producing consistent long-term returns.

There are two aspects to arriving at the most appropriate balance of investments (or ‘asset allocation’) for long-term charity funds. One is strategic, the other is tactical.

The correct strategic mix is rooted in the circumstances of the charity and will be reflected in the composite benchmark. This is the combination of assets most likely to product the optimal result for the charity in ‘normal’ market conditions over the long-term.

By contrast, the tactical mix will be the combination of asset classes that is most likely to make the most of prevailing market conditions in the shorter-term. Within the constraints granted by the trustees at the outset of the relationship, we will flex the asset allocation in your portfolio in accordance with our macroeconomic views and outlook for each asset class.

Securing access to the best ideas within each asset class

Optimal results hinge on access to – and investment in – the best securities in each area. We construct portfolios using active fund managers in each region or sector, those whom we have identified as the most talented stock pickers in their field.

Our dedicated Manager Research Team is vital to our ability to identify the most talented fund managers from around the world. The Team subjects every potential manager to an in-depth evaluation, examining their investment strategies and quantitative characteristics in order to provide a well-supported, documented investment thesis for manager selection and on-going monitoring.

With more than 30 years’ experience researching managers and approximately 40 staff, GAM has one of the largest, best equipped manager research capabilities available in Europe.

Where we are unable to identify the right manager for a given sector or geography, we will buy passive index funds, or ETFs, as a low-cost alternative.

Due Diligence

Risk management is threaded through every stage of our investment process, and nowhere is this more important than for our charities.

Our dedicated Operational Due Diligence Team monitors and reviews every manager we seek to appoint, producing an in-depth report on each and every one, prior to its inclusion in a portfolio. The report is a rigorous analysis of fund documentation, operations and the strength of key service providers (such as administrators), with a focus on identifying potential sources of operational risk right across the food chain. Once invested, our Team continues to measure, monitor and assess the funds personnel and performance to ensure that they remain suitable.

Finally, our operations and back office infrastructure work alongside to ensure efficient administration of portfolios and their investments.

Private Clients and Charities team