Please read this important information regarding Intelligent Money in response to COVID-19


Risk Management

Risk is difficult to calculate and complex to
manage so we ensure your portfolio is
always rebalanced to where it should be

Risk Management

We believe that risk management should be the core driver of every investment management process and offer two ways of delivering this, via five risk-rated managed model portfolios and two highly sophisticated target-dated portfolios, all of which are internally mandated for discretionary management to Quilter Cheviot.

Our portfolios comprehensively cover all major asset classes including cash, fixed interest (UK and Global), equities (Small, Medium and Large cap – UK, European, North American, South American, Far East, Emerging Markets, etc.) and alternatives (Property, Gold, Agriculture, etc.).

These asset classes are then weighted (or omitted altogether) depending on each portfolio’s different remit and the prevalent market conditions at any given point in time and then regularly reviewed and amended.

This process provides a complete, bespoke, discretionary investment management solution geared to each client’s individual requirements – with internal risk management (be that to a constant risk profile – or changing in line with a specific target date) always acting as the core driver of all other investment decisions.


Following the Government lockdown announcement, we will be closing our offices this evening, Monday the 23rd March 2020.

We will continue to ensure that all pension, ISA and GIA withdrawals will be paid to clients on time and all online applications and instructions will remain automatically processed during this period. So, in this respect, business will continue as usual.

Our loyal team will remain on the payroll whilst they are temporarily unable to work, whilst certain key members will remain on hand remotely to ensure that no client is adversely affected (though this may naturally impact on response times).

Please also note that our main office building has also been shut down (we are located within a national museum) and we are therefore not currently able to receive any post as normal.

We thank you in advance for your understanding during this difficult time and for all enquires during this period please contact the most relevant email address as listed below: