After completing a factfind questionnaire we can determine the amount you wish to invest and more importantly the income you require per annum to maintain your standard of living. After analysing your attitude to risk and your current / anticipated future liabilities towards Income and Capital Gains Tax we can build a tax efficient investment portfolio that best meets your requirements towards achieving your target annual income.

Income Portfolios

An investment portfolio geared towards income in most cases is for an individual who wishes to retire and requires an income from his savings to replace the income who would normally obtain through employment. If this is you do not hesitate to contact us today for a free no obligation chat.

We aim to generate performance that consistently meets our clients' objectives.  We believe consistent performance is best realised through an investment process that seeks to maximise the return from the specific investment risk profile of any portfolio.

Generating consistent performance and an optimal risk profile for portfolios is achieved through the application of two key investment principles that define Insight's approach:

1. Diversification.  The overall risk of a portfolio of fixed income investments can be reduced through the adoption of an investment approach that adopts a broad universe of investment opportunities.
2. Precision.  The risk-adjusted returns of an investment portfolio will be optimised when all active positions are precisely targeted amongst the investment universe such that only the most attractive components of portfolio risk are taken.  The principle of precision importantly also involves the elimination of any undesired sources of portfolio risk.

Applying the principles of diversification and precision requires an investment process that relies on a fully integrated approach to investment decision-making.  Achieving this integrated approach requires team specialisation whereby individual teams focus on specific sectors of the investment universe whilst maintaining accountability for overall Team performance.  Secondly, the optimal allocation of portfolio risk requires that the degree of risk generated by any individual position is commensurate with the principle of diversification, i.e. that no single investment position should dominate others.  In addition, we aim to follow a process that can deliver consistent performance in all market conditions.

The principles of our investment process are applied to client portfolios through Insight's unique investment system that centres on the application of 'units of risk'.  This approach takes each client's appetite for risk (sometimes also known as the 'risk budget') and divides it into a number of 'units' of equal size.  These units can then be allocated across the universe of fixed income investment opportunities such that concentration of risk in any single area is avoided.

Units of risk are allocated for each investment portfolio according to three categories of investment view, which together provide investment decision-making suitable to various market conditions.

The combination of these categories of investment view applied within our framework of diversification and precision has resulted in the generation of attractive risk-adjusted returns for our clients over many years.