Investment

services

With unstinting focus on client objectives and capital preservation, Coutts Investments provide high-touch investment expertise that centres on diversified solutions and a service-led approach to portfolio management. Our investment process is as disciplined as it is creative – ensuring tailored solutions with robust results.

Advice and product fees may apply.
The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

Discretionary

Investments

Coutts offers a range of discretionary managed investments, aligned to a defined risk profile that helps to ensure your investment is appropriately constructed to match your needs and meet your goals.

  • Discretionary Portfolio Service

    Investment strategies devised in line with your objectives and to maximise market opportunities.

    The Discretionary Portfolio Service offers you direct access to Coutts investment expertise through a diversified investment portfolio. Coutts will build the initial asset allocation in line with your investment objectives and risk profile. A dedicated portfolio manager will work alongside your wealth manager to make tactical adjustments throughout the life of your investment, adapting your portfolio as financial markets change. Working closely with you and your wealth manager, Coutts Investments Solutions will ensure that your portfolio strategy complements your overarching wealth circumstances and, as always with Coutts, will be delivered with a high touch, proactive and personal service.

    Coutts Discretionary Portfolio Service seeks to balance income-generating assets with those offering compelling medium-term growth potential. Controlled through effective portfolio construction and diversification, risk management is central to our approach as we draw on extensive tools and analytics to ensure alignment with your individual risk profile.

    Coutts Discretionary Portfolio Service provides access to a range of active and passive investments, including collective investment schemes, index funds and exchange traded funds (ETFs). Structured products may also be used to take advantage of tactical views and strategies. The portfolio focuses on a range of UK and global government bonds, corporate and high yield debt, with a significant proportion allocated to equities in the UK, and in the wider developed and emerging markets. Assets will be owned within your portfolio, and held by Coutts – or an appointed custodian - on your behalf.

     

    The value of investments and the income from them, can go down as well as up and you may not recover the amount of your original investment

  • Coutts Multi-Asset Funds

    A broadly diversified investment, offering access to Coutts investment views within a single marketable and unitised fund.

    Coutts Multi-Asset Funds are a series of funds that aim to deliver attractive long-term returns by investing in a broad range of asset classes. The Funds seek to balance income-generation with capital appreciation within a risk-controlled framework. 

    To achieve diversification and stability, the Funds invest across equities, bonds, commodities and property, identifying thematic opportunities, including sectors and special situations. Specialist techniques will be used to reduce volatility and enhance the Funds’ overall balance of risk and return, catering to a broad range of investment objectives. 

    To ensure cost-efficient management, Coutts Multi-Asset Funds will invest in single securities and low-cost passive vehicles alongside actively managed funds and specialist strategies, leveraging the expertise of our experienced investment analysts.   

    Designed to maximise efficiency, Coutts Multi-Asset Funds are structured as a series of single priced, open-ended marketable funds, enabling you to seamlessly buy and sell units as required. Available in both distributing and accumulating options, the Funds allow for regular contributions or withdrawals and the annual use of ISA allowances.

    Daily dealing ensures that new monies are quickly invested and the legal structure provides certain tax advantages to investors in a variety of jurisdictions. Coutts Multi-Asset Funds are available in GBP, EUR, USD and CHF denominated share classes.

    View Coutts multi-asset fund prices

     

    The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

Advised

Investments

Partnering with you to manage your portfolios, Coutts Investments will support your investment decisions and help you to achieve your investment goals.

  • Tailored Portfolio Service

    Putting you in control of your investments, with the assurance of professional insight and expertise.

    Coutts Tailored Portfolio Service has been designed to provide a flexible solution that will adapt to our clients’ changing needs as they invest for the long term. Providing returns that are in line with the level of risk that you wish to take, the Tailored Portfolio Services team will advise on matters beyond pure investment decisions. 

    Whatever the purpose for your investment, your dedicated portfolio manager will devise a bespoke portfolio underpinned by a strategic asset allocation that is tailored to your specific risk and return requirements, now and as your circumstances evolve. A comprehensive, multi-asset class approach will provide appropriate diversification aligned to this investment strategy and your objectives. Coutts open architecture and detailed research will effectively determine the optimal routes for your portfolio to access the financial markets.

    Working in tandem with your wealth manager, Coutts portfolio managers will draw on our long-standing expertise and extensive research capabilities to maximise returns across your portfolio, ensuring that your underlying investments reflect your current circumstances and long-term wealth ambitions. With advice around asset allocation, updates on market and fund changes, new investment and alternative market ideas, each decision is agreed with you prior to implementation – thereby allowing you to pursue your investment aims with a greater degree of confidence in times of market volatility and opportunity. With personal advice attuned to your overarching objectives and given by a single, dedicated point of contact, Coutts Tailored Portfolio Service allows you to choose the level and frequency of support you feel comfortable with.

     

    The value of investments and the income from them, can go down as well as up and you may not recover the amount of your original investment.

  • Active Advisory Service

    Identifying markets and opportunities to empower your investment decisions and realise your objectives.

    Coutts Active Advisory Service offers unconstrained investment advice across multiple asset classes. Established in line with client demand, Coutts Active Advisory Service enables you to make your own investment decisions with the support of a knowledgeable guide who helps identify opportunities and interpret markets.     

    Coutts Active Advisory team customises market access strategies by employing diverse assets ranging from fixed-income to direct equity holdings and derivatives. With a regular flow of investment ideas, the Active Advisory team will empower you to make sound investment decisions. Drawing on our Strategic Solutions team to provide insight into alternative asset classes such as hedge funds, property and private equity, each idea and investment approach is subject to rigorous challenge and testing. Our investment advice is driven by macroeconomic and strategic views on a full breadth of geographies and asset classes - and complemented by research from select providers, ranging from investment banks to small boutique research houses.

    Working with individuals, family offices and institutions, an intricate understanding of our clients’ unique circumstances is at the centre of the solutions proposed through the Active Advisory Service. The team provides timely, insightful and thought-provoking advice while maintaining an open and dynamic dialogue to ensure that advice aligns with your overarching wealth ambitions. The team is on hand to support you in identifying investment opportunities that are consistent with your investment goals and will validate – or challenge as appropriate – your own investment ideas and implement them accordingly.

     

    The value of investments and the income from them, can go down as well as up and you may not recover the amount of your original investment.

Investment

Structuring

With access to an extensive range of investment structures, Coutts experts will draw on the most effective and efficient wrappers for your investments, your circumstances and your objectives.

The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.

  • Pensions

    The right pension planning can help to protect your wealth in later life. Whether you want to travel the world or simply relax knowing that your wealth is working for you, our pensions experts have the knowledge to help you achieve your goals.

    Coutts has an extensive team of specialist advisers who work specifically with our clients to advise on retirement planning. We work with a carefully selected and regularly monitored panel of providers to offer our clients the best solutions in the market. From SIPPs and ISAs to personal pension plans, annuities and specialist pensions for business owners, we will draw on the right solutions for your circumstances and aspirations, working with you through every stage of your retirement planning.

  • ISAS

    ISAs are not products in their own right, but ‘wrappers’ designed to protect your investments from Capital Gains Tax (CGT) and offer tax advantages for the income generated. Coutts offers a range of ISAs designed to help you make the most of your annual tax allowances. 

    Whether you are looking to manage your own investments or would prefer a little more guidance, we have an extensive range to help you invest efficiently. Once the ISA portfolio is opened, you can buy and sell assets, as well as subscribe your annual ISA allowance over the phone. 

     

  • Onshore and Offshore Bonds

    Typically a life insurance policy, Coutts offers a range of investment bonds in both an onshore and offshore capacity.  Most investment bonds accept single premiums and offer a variety of fund options in which to invest. While your investment remains within the wrapper there is no immediate liability to tax - although on a chargeable event, any gain is chargeable to income tax. 

    Non-income producing assets with gains liable to income tax, investment bonds are a useful component for inheritance tax planning.

  • EIS and VCT

    For investors seeking unique investment opportunities in small or emerging businesses, Coutts experts provide access to a range of Enterprise Investment Schemes (EIS) and Venture Capital Trusts (VCT). Designed to encourage investment in new, small, unquoted trading companies, EISs and VCTs offer a series of potential tax reliefs, from income tax relief, capital gains tax exemption or deferral and tax-free dividends.

Dealing and Exchange

Securities Dealing and

exchange services

Whether executing on your investment instructions or guiding your global currency trading and hedging requirements, the Coutts Dealing and Foreign Exchange team is here to help you navigate and execute your instructions in a timely and professional manner.

  • Foreign Exchange Services

    Providing trading capabilities for your global currency trading and hedging requirements.

    Whether you have business interests abroad, assets held overseas or a global approach to investing, we will work closely with you to understand your objectives and develop appropriate currency strategies for your unique requirements. Your Coutts adviser will refer you to Coutts foreign exchange specialists through which you will receive informed currency market advice. Coutts foreign exchange services have been designed to give flexibility to place orders for execution at an agreed level, and which will be monitored on a 24-hour basis and traded outside of UK hours. 

    Coutts foreign exchange services provide the ability to execute both spot and forward transactions in any major global currency and some of the more liquid emerging market currencies.

    The expert team will guide you on reducing volatility and risk through the use of suitable hedging strategies employing investment strategies and managing currency and interest rate exposure, respectively.

    MORE ABOUT COUTTS FOREIGN EXCHANGE SERVICES

     

    Fees may apply.
    The value of investments and the income from them, can go down as well as up and you may not recover the amount of your original investment.

  • Securities Dealing Services

    A personal securities dealing service, catering for active traders to first-time investors.

    Manned by our expert team of professionals, Coutts dedicated dealing line provides the ability to trade efficiently using timely and innovative systems.  The team can discuss market activity, provide real time information on equities and talk you through orders of a more complex nature. With extensive market connections, we can give you access to a number of asset classes, from equities, fixed income and exchange traded funds (ETFs) through to collective investment schemes and precious metals.

    Once traded, our Custody Service will help you manage your investments efficiently. Held in our nominee name, you can leave the administration to us, while you retain beneficial ownership.

     

    Fees may apply.
    The value of investments and the income from them, can go down as well as up and you may not recover the amount of your original investment.

Already a client?

For more information about Coutts
products, please speak to your
adviser.

Become a client

Please get in touch online or call
020 7753 1365 to find out more
about our services.

Calls may be recorded.

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Your eligible cash deposits held with Coutts & Co are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered. Investment business undertaken with Coutts & Co in the UK may be covered by the FSCS, the cover depending on the nature of the claim being made. Eligible claims for most types of investment business are covered up to a maximum of £50,000 per person. FSCS cover is not available for loss of money resulting from performance of the investment.

News and

Insights

  • Thinking outside the bond box

    • Equities
    • Wealth Watch
    • Coutts Investments
    05 Feb 2016
    Image of a man at a window With the Bank of England’s (BoE’s) latest Inflation Report reiterating the interest-rate message of ‘lower for longer’, government bond yields are likely to remain depressed for some time. For investors despairing of waning income there are better alternatives.
  • Staying calm in the storm

    • Equities
    • Wealth Watch
    • Coutts Investments
    21 Jan 2016
    Image of a man at a window Markets have gone sharply against us so far this year, but the actual underlying economic fundamentals continue to support our positive view for 2016. It may continue to be painful in the short run, but as long-term investors we are taking the view that this sell-off is an opportunity to buy oversold assets.
  • Building on solid ground

    • Interest Rates
    • Bonds
    • Growth
    • Equities
    • Central Banks
    • Economy
    • Coutts Investments
    • Global Markets
    18 Jan 2016
    Image of man reading paper Equity markets were blown in opposite directions over the past week by the winds of collapsing oil prices and hopes for more monetary stimulus. We prefer to build our positioning on the more solid ground of economic and corporate fundamentals, which are holding firm through the fierce storms in the markets.

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