Investment Process

One of the most important services that Regency Investment Services provide is to help our clients to save both up to and beyond retirement. Initially, we help you assess your attitude to risk through the spectrum from Cautious to Speculative. Regency Investment Services have nine model portfolios, each with a different asset allocation from which we can choose to match your attitude to risk.

> Risk can be reduced within your portfolio by investing in a range of different types of assets. For example, Cash, Gilts & Fixed Interest, Corporate Bonds, Commercial Property and Equities.

> Each different type of asset tends to perform well in certain market conditions and broadening the portfolio's exposure across a range of asset classes means that the fluctuations caused by most economic and financial events can be smoothed out.

> Risk can be further diversified by investing over a number of geographical areas (such as UK, Europe, North America, Far East, etc), and utilising the skills of different fund managers.

A typical balanced portfolio      

Asset Class	Amount %	Category %
Cash	3.0	Cash 3%
UK Gifts	2.0	Bonds 31%
UK Index Linked	2.0
UK Corporate Bonds	8.0
Global Bond	19.0
Property	4.0	Property 4%
UK Equity	23.0	Equity 62%
European Equity	9.0
North American Equity	13.0
Asia Pacific Equity	9.0
Japan Equity	2.0
Emerging Markets Equity	6.0

Approximate split between Non-Equity and Equity funds is 40 : 60