Q for Independent Financial Advisors

For the IFA, Q offers a refreshingly simple, modern and transparent source of 'best practice' discretionary portfolio management for your Clients' money. 

  • Portfolios tailored to your clients' objectives based on a brief that you work through with them
  • TER for the portfolio service of around 1%
  • Active asset allocation management and market timing to protect capital and profits
  • Regular market updates explaining how the money is being managed to take advantage of developments in investment markets
  • Anytime, online access to your clients' accounts

By using Q's service, IFA's will be fully embracing the FSA's Retail Distribution Review initiatives. Q pays no trail commission or introducer commission, nor invests in any trail commission or initial commission generating investment products. It is up to the individual advisor to agree terms with each client. Currently, our nominated advisors are generally charging a fee for moving the funds to our dealing platform (iDealing) and then 0.5% per annum for managing the account.

The very low TER of Q's portfolios allows IFAs to agree their own fees with clients to;

  • set up the appropriate investment accounts (SIPPs, ISAs or Investment Accounts to ustilise personal allowances) 
  • create the necessary initial portfolio brief
  • provide regular reviews covering
    • contributions and withdrawals
    • tax planning
    • investment performance reviews
    • cash management outside of the investment portfolio

How do we manage the money?

  • Portfolios are constructed from ETFs, Investment trusts and individual shares for larger portfolios
  • 5 core strategies;
    • Core index exposure
    • Tactical Sector exposure with the emphasis on investment timing
    • Selected third party managed Investment Trusts
    • Global large cap individual shares, world leaders and defensive dividend earning shares
    • Fixed interest
  • Un-restrained asset allocation with a strong bias to holding cash
  • Nominee and trading via the UK's leading low cost online platforms

What's in it for your Client?

Q is all about peace of mind for your clients;

  • They can be assured you have selected Q's portfolio management purely on merit and with the safe knowledge that investments will not be made to generate commission, nor have you accepted commission to influence your recommendation
  • They will know they are paying reasonable fees for a great quality service - not lining the pockets of the City
  • They can be assured that their money will be actively managed to protect its capital value and to retain any profits made, but without the use of complex expensive products
Q is a 'back to basic' low cost approach designed to address these key concerns of the modern investor.