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Disciplined, Transparent, and Client-Aligned
A clear, step-by-step process designed to deliver consistent outcomes and full accountability
At TAM, we follow a structured investment process that combines rigorous analysis, disciplined asset allocation, and ongoing oversight.
Whether you choose our Model Portfolios, Discretionary mandates, or Bespoke solutions, every strategy we manage is built on the same core foundations: transparency, consistency, and a commitment to your clients’ goals.
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1. Define the Mandate
We start by understanding your client’s objectives, constraints, and risk appetite. This includes:
- Currency preference (GBP, USD, EUR)
- Investment time horizon
- Income needs or capital growth objectives
- Ethical or religious considerations (e.g. ESG, Sharia)
- Tax wrapper and jurisdictional context
We then issue a customised investment proposal to document the agreed strategy and provide clarity to all parties.
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2. Portfolio Construction
Our team uses a top-down macroeconomic approach to determine asset allocation, supported by bottom-up fund and manager research. This ensures:
- Strategic diversification across asset classes, geographies and styles
- Use of best-in-class funds and ETFs
- Cost-efficient implementation with institutional access
Portfolios are aligned to one of our risk profiles or constructed bespoke to the client’s specific mandate.
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3. Implementation & Trading
Once the portfolio design is agreed, we:
- Execute trades efficiently and transparently
- Align the investment within any life company, platform or wrapper structure
- Ensure full reporting and audit trail from day one
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4. Ongoing Oversight & Rebalancing
Our investment committee and portfolio management team monitor portfolios daily. We:
- Rebalance portfolios as needed to maintain target allocations
- Adjust exposures based on tactical market opportunities
- Review fund performance, style drift and risk exposure regularly
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5. Reporting & Reviews
We provide advisers and clients with:
- Live access to portfolios via our secure online portal
- Downloadable valuation reports, transaction histories and performance reviews
- Regular PDF investment updates tailored to regulatory and client expectations
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6. Review & Refine
Markets evolve, and so do client needs. We schedule regular reviews to:
- Update the mandate if objectives change
- Adjust for regulatory, tax or jurisdictional developments
- Ensure the portfolio remains suitable and aligned