Our Solutions
Monitoring & Risk Assessment
Your wealth deserves to be preserved and nurtured.
Our philosophy centres around prudent planning, rigorous research to achieve meaningful growth through individually tailored investment consultancy.
Performance Analysis
We produce thousands of performance reports for our Trust, Family office and private clients using our proprietary software.
Data is collated directly from the Bank or Asset Manager net of fees and cashflows.
The results are compared against the agreed investment profile using two measures of performance comparison.
- Composite Benchmark – Weighted indices
- Peer Group – A measure of the investment industry returns
In an ideal world your mandate would exceed the benchmark over the medium and long term.
In addition, you would ideally wish your results to be among the best of the investment industry.
Here the peer group analysis will provide valuable information on where within the peer group your long term returns align. Our reports are divided into quartiles which in an ideal world your results would be top quartile in the long term.
Taking risk is integral to the management of investment accounts and the reports assess the level of risk taken relative to the benchmark and wider industry.
Portfolio Composition / Attribution Analysis
The composition of an investment portfolio can seem very complicated and confusing.
Whether your account is advisory or discretionary, you may wish to have peace of mind that the holdings, weightings and decisions made are suitable and in line with normal practice.
Our experts will analyse the portfolio activity, the currency, country, sector and holdings analysis.
We will review the turnover, funds and where relevant the in-house funds and solutions.
Sometimes, manager reports can lack clarity and a deeper review is needed.
Where alternatives such as hedge funds, structured products or private equity are held, the risks are less easy to see and deeper analysis is needed to ensure there are no issues looming.
Relegation / Action
Setting the criteria for manager relegation and action is integral for a good risk management process.
Transparent benchmarking of portfolios compared to peer groups and composite index measures may trigger the need for action.
We will help review your mandates to ascertain whether action is needed and how your performance concerns should be escalated.
Manager Communication
We will support the interaction with your managers to ask the right questions and demystify the often complex terminology used in the investment world.
Fee Analysis
The impact of uncompetitive fees can be destructive to all investment returns. Our analysts will deconstruct the total expense of the portfolio separating the stated costs with the less transparent costs of investment vehicles, performance fees and other costs to produce a Total Expense / MIFID II analysis.
Our extensive fee database allows us to compare your fees against the wider universe and to provide a fair analysis.
High turnover can often impact results and we will examine every transaction to assess suitability and rationale.
We will negotiate with each firm to secure competitive terms, improving your total return after fees.
Benchmark Assessment and Recommendation
The choice of fair but accurate measures of performance and risk analysis is integral to the assessment of your managers and whether your goals are being achieved.
Of the many metrics and variances, we will review proposed metrics and support you to ensure fair, accurate and transparent measures are used.
We will explain the strengths and weaknesses of the options considered and our performance analytics team can show you the differences in results for the various measures, their composition and merits.
Peer Group Analysis
In addition to the comparison of managers against benchmarks, there are an array of providers who offer measures which compare results against Peers with a similar investment profile.
We transparently rank each approach and highlight the merits based on transparency, size, representation, impartiality and the return and risk profile.
Our goal being to ensure that the metrics proposed match your requirements.
Tax Efficiency
Tax advisors share their expertise to ensure that your investment allocations are optimally designed.
Sometimes, these guidelines can be misunderstood and our analysts will review the allocations, individual positions to ensure compliance with the tax guidelines.
Asset Class Expertise
Each asset class carries its own complexities and we will review the approach taken by each investment manager to ensure you are achieving the best experience. We can review
- Cash
- Fixed Income
Equities - Private Debt
- Private Equity
- Hedge Funds
- Commodities
- Structured Products
ESG
Complaint Handling – Expert Witness / Report Solutions
We provide independent assessment of complaints. We will support the composition of professional claims and determine the fair level of compensation quantum.
We will support the analysis and discussion during mediation to support a favourable outcome.
Our Expert Witness services integrate our expertise in the assessment of the investment industry with our extensive knowledge of family office and trust best practice.
In addition to providing expert witness submissions we have practical mediation and court room experience.
It is also useful to be aware that most jurisdictions have independent financial ombudsman which can provide support and guidance on complaints. Some also have a compensation fund supported by the investment industry.
Empower Your Wealth with Insight and Integrity
With Peritus Investment Consultancy, you gain a dedicated partner focused on achieving your financial goals through transparent, proactive, and comprehensive wealth management. We bring clarity, guidance, and integrity to every aspect of your investment journey.