The Art of Investing
Fully Managed target Date Investing
IM LifeStyle is a target dated investment strategy that is designed to automatically ensure your money always remains best positioned to meet your aims and objectives without you having to monitor and adjust the holdings yourself.
It is a constantly evolving portfolio that changes to fit with your time to invest and end requirement for your money - income, capital lump sum, or both - allowing you to get on with your life without worrying about your pension, ISA and general investments being in the right place at the right time.
Off the shelf
Ready made investment portfolio
We provide a wide range of off the shelf investment portfolios, including index trackers and direct share holdings, covering household name global large caps and technology stocks.
These portfolios are designed for people who want to mix and match to create their own ideal investment strategy, changing and amending their holdings and investment approach as they see fit.
Discretionary Portfolio Service
Our principal approach integrates financial planning with our Discretionary Portfolio Service. We will discuss with you your objectives, and make recommendations for creating your investment profile, agreeing a strategy to best meet your financial aims and lifestyle ambitions.
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Drawing on our experience, our investment committee will then invest your portfolio, making adjustments in response to market changes or to capitalise on opportunities in your best interest.
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We monitor your portfolio, making adjustments as economics change, so you can relax and focus your time on doing the things you enjoy. Accordingly, we will hold periodic review meetings with you to assess the performance of your portfolio against its benchmark, and consider any changes in your circumstances and investment profile.
Advisory Portfolio Service
Our Advisory Portfolio Service integrates financial planning with managing your investments. We will discuss with you your goals, then create and present an investment strategy to meet your objectives.
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However, with our Advisory Portfolio Service, as world economics develop, your adviser will discuss and advise you on the changes required to keep your investments meeting your needs.
You decide if you would like to keep your existing investments or switch with our recommendations.
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Periodic reviews, statements and online access are included as part of this service. These are important, as your adviser can only make changes to your portfolio with your approval.
Open Architecture
We use an open architecture investment approach at Cobens Direct, which means we can offer clients a co-ordinated investment strategy across all of your financial plans, using both proprietary and external products to meet your needs.
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We believe this approach ensures that the financial needs of all our clients are met for the best value, whilst providing an unbiased, tailored solution that us as bespoke as their needs.
Modern Tools
Underpinning our expertise, capability and active-management ethos is our technology. We seek out news ways to interact with out clients, as well as researching emerging platform technology to manage their wealth.
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Clear communication is a priority, and with changes in global norms we now offer virtual meetings online to accommodate our clients' preferred method, which compliments our face-to-face and personal approach to financial advice.
Helping you plan your future
I want to plan for later life
Retirement planning involves more than just pensions. It's important to take a holistic approach to secure your financial future.
I want to grow my wealth
Building wealth is simple with patience and guidance from financial experts. Let us help you achieve your financial goals.
I want to create a legacy
Planning ahead to secure your legacy and how you pass on your wealth is crucial for ensuring that your loved ones are taken care of.
Find out how we can help you
The experienced team at Cobens Direct can help you, your family and business with expert financial planning and wealth management advice. Building your wealth, protecting you and your loved ones and your business, and planning for the future is what we do.
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Talk to us about your requirements, please contact us today.