Introduction to Products

We have access to the full range of financial services product including many new and innovative products and funds that go further than anything before.

For the first time you can now enjoy total investment freedom. We offer complete solutions with choice and flexibility in a competitive package. Enter a whole new world of investment opportunities today.

Would you like to invest in shares, investment funds, deposit accounts or indeed property* and all on the one product? Well now you can. We offer advice and access to the following:

  • Access to some of the best performing fund managers in the world
  • Property purchase with tax relief*
  • A complete property management service
  • The ability to directly buy shares on major stock markets
  • A complete service proposition on all products
  • Access deposit accounts with leading institutions.

 

*It is important to note that direct  investment in most types of Alternative Investments is considered a non-regulated activity. As such, investors should be aware that they are not covered by the Central Bank of Ireland’s Consumer Protection Code; do not have the protection of the Statutory Compensation Fund and cannot avail of the Financial Services Ombudsman’s Bureau services. Investments in units of Unit Trusts and in unit-linked funds that invest in alternative investments are regulated products and full regulatory protection applies. 

 Unit linked Funds

You can opt for one or more of the wide range of asset class funds, such as equity, property, fixed interest or cash funds. Alternatively there is a broad selection of mixed portfolio funds, which invest in a combination of assets.

Choose from cautious managed funds, suitable for low risk investors, through to specialist equity funds, suitable for investors willing to take a higher risk for potentially higher return.

Success is built around an active fund management approach, where significant emphasis is placed on research and teamwork

Multi-manager Funds

A multi-manager fund enables investors to access a number of fund managers from different fund management companies under the one fund. The goal is to blend a number of specialist fund managers who complement each other and the aim is that this will lead to effective diversification and consistent out performance.

Direct Equities

Ever wanted to buy shares on the markets? Would you like to be able to do this through your own pension fund? We now have the facility for you to buy shares in any one of the following ways:

  • Execution only
    This service means you give direct instructions to a stock broker to buy or sell shares without receiving advice from them.
  • Advisory service
    You engage the services of a stock broker to advise on the buying and selling of shares and then they carry out your specific instructions.
  • Discretionary service
    You agree an investment strategy and objectives with a stock broker. The stock broker then invests and manages a portfolio of stocks and shares without referring to you for instructions.

Stockbrokers

We have put in place arrangements with a number of stockbrokers to allow you buy shares. It is important to discuss with your broker the type of facility you’d prefer to use.

Deposit accounts

If you want to put funds on deposit in a term account or high yield account just let us know and we will arrange it with your selected deposit institution. By accessing these deposits you can be confident that your money is working as hard as possible for you

You can use these deposit accounts as you see fit within your portfolio. The deposit account can be used as a holding investment until you decide exactly what assets you are going to invest in going forward.
The deposit account can be used as an investment vehicle in itself to ensure that the liquid cash within your portfolio gets the best interest rates available. If you are risk adverse, a high yielding deposit gives you both peace of mind in the security of your investment and the knowledge that it is working as hard as possible.

Direct Property Investments*

You can buy residential or commercial property in the UK, Ireland or Europe and place it within your pension fund. Alternatively you can choose to invest in a syndicate to purchase a portfolio of one or more properties. These assets can be purchased via your pension fund or directly by you.

* Please note that buying property directly is a non-regulated activity. Purchasers are not covered by the Central Bank of Ireland’s Consumer Protection Code; do not have the protection of the Statutory Compensation Fund and cannot avail of the Financial Services Ombudsman’s Bureau services. Investments in units of Unit Trusts and unit-linked funds that invest predominantly in property [commonly called Property Funds] are regulated products.
 

Alternative Investments*

The global financial downturn has pushed investors into seeking other ways of investing their money. An alternative investment is an investment product other than the traditional investments of stocks, bonds, cash, or property. The term is a relatively loose one and includes tangible assets such as art, wine, antiques, coins, or stamps and some financial assets such as commodities, private equity, hedge funds, venture capital, and financial derivatives.

  • Land investment* has become an attractive proposition. With an increasing world population and dwindling land supplies, investment in the agriculture sector is emerging as both a money making—and money saving—exercise. During the recession, land has been pretty stable and resilient compared to other markets. Experts think the capital value of land will increase considerably in the short to medium period. Land investment offers a convenient way for high-wealth individuals to avoid inheritance tax, allowing the passing of assets down through the generations effectively tax free—which is a 30% saving.
  • Fine art* is not only a good inflation hedge, but owning a painting by the right artist can bring a handsome profit.
  • Fine Wine* – for reliable investment-grade wine, look only to France and principally select wines from Bordeaux.
  • Whether they be furniture, fittings, guns or armour, come from a place long ago and far away or are more recent, but from the bottom of the sea, antiques* are a piece of history and civilization and provide a solid investment category.
  • Commodities* – Global population growth together with crop destroying weather is driving cereal prices upwards. Commodities are great for diversification purposes and global demand is rising. For 25 years there’s been very little investment in production capacity, so we’ve had supply going down at a time when demand is going up.
  • It has long been recommended that investors have some precious metals* in their portfolios, but years of solid gains, as well as heightened interest in inflation hedges and safe havens, have made metals more alluring than ever.  Gold* is up 379% over the past ten years and private ownership now exceeds what’s in public gold vaults, as wealthy investors stock up on bars of gold during uncertain times. Silver* prices have doubled in the past two years, while platinum* is up 63%, as both metals also benefit from their growing commercial use.
  • Horses* [pedigree animals are called Bloodstock*] are one of the oldest investments in the world, where hobby, sport and business converge. Investors can breed them or race them and these days you don’t even have buy the whole animal, as there are more horse syndicates at all levels, for all prices.
  • Investing in hedge funds is not for everyone, the high fees they charge in return for the promise of substantial returns mean only very wealthy individuals or professional investors such as insurance companies and pension funds can invest. Despite efforts to make the hedge fund industry less opaque, there are few signs that hedge funds will be investing money for the man in the street any time soon. The product and many of the strategies are so complex they are not really designed for the retail market. Most hedge fund managers don’t want retail investors and most retail investors shouldn’t be in them.
  • Venture capital* and private equity firms* both involve strategic financial investments in private firms. With venture capital, you take a small group of people with a great idea and give them some money and perhaps business strategy advice, in exchange for a share in the company. With private equity, (formerly known as ‘leveraged buyout’), you buy an existing enterprise and restructure it so as to make it more lucrative for its owners than it previously was.
  • Financial derivatives are financial instruments that are linked to a specific financial instrument, indicator or commodity, and through which specific financial risks can be traded in financial markets in their own right.  They enable parties to trade specific financial risks (such as interest rate risk, currency, equity and commodity price risk, and credit risk, etc.) to other entities who are more willing, or better suited, to take or manage these risks—typically, but not always, without trading in a primary asset or commodity.
*It is important to note that direct  investment in most types of Alternative Investments is considered a non-regulated activity. As such, investors should be aware that they are not covered by the Central Bank of Ireland’s Consumer Protection Code; do not have the protection of the Statutory Compensation Fund and cannot avail of the Financial Services Ombudsman’s Bureau services. Investments in units of Unit Trusts and in unit-linked funds that invest in alternative investments are regulated products and full regulatory protection applies.
Please call or email us for a personal financial review or to learn more about a specific service.
Call: 051 318 000