TAM Ethical Portfolios

 

Everyone's definition of 'ethical' is different and as such, so is everyone's idea of ethical investment. The same applies to fund managers that market their funds as ethical - not all will share the same views or adopt the same strategy for selecting stocks for their funds.

Ethical investing has evolved over the years and today there are many different ethical investment strategies such as; positive and negative screening, ESG (environmental, social & governance) investment, engagement, values based investing and impact investing. All follow a different investment process for selecting stocks, but all have one common goal - to serve a broad range of socially conscious investors.

Our investment managers follow a rigorous investment process, conducting extensive research into the universe of ethically marketed funds. This research includes one-on-one meetings with fund managers to gain an in-depth understanding of how the manager’s construct their ethically aware fund universe, and how this universe is filtered down to produce the final portfolio. In addition to manager meetings, the team conduct detailed desk-based analysis which looks further into the fund’s investment process, portfolio positioning and track record of performance, to ensure that the fund is delivering on its mandate and will indeed be a valuable addition to the TAM Ethical portfolios.

This ethically aware approach allows investors to combine their environmental, social and governance considerations with a strategy designed to deliver long-term capital growth. We are confident that this approach will provide most socially conscious investors with the investment solutions they have been looking for.

Put simply, TAM aims to avoid the bad stuff and chooses only the good stuff, we believe in socially conscious investing for a more positive and sustainable future.

 

Risk Management

Clients can select an investment portfolio that most closely reflects their investment return objectives and attitude to risk. We offer five risk graded portfolios that span the risk spectrum from more defensive, lower risk returns, through to higher risk, equity based investment returns.



 

The diagram is for illustrative purposes only. The value of investments, and the income from it, may go down as well as up and may fall below the amount initially invested. Weightings may deviate from these levels at the Investment Team's discretion whilst staying within specific guidelines, so the above asset allocation is intended as a guide only.

Key Advantages

 

Low Cost

Access to professional discretionary management without incurring premium costs.

 

Pre Investment Report

We produce a comprehensive report which clearly focuses on investment objectives, risk rating and asset allocation. This is provided to all clients before they invest with TAM.

 

A Range of Risk-Profiled Portfolios

5 portfolio choices from Defensive to Adventurous.

 

Accessibility

You can invest directly into the four Ethical portfolios, or use them as an underlying asset for an ISA, SIPP, Pension, Workplace Pension, Trust or a Life Assurance wrapped product.

 

TAM Platform

The Ethical portfolios run on TAM’s innovative platform, which allows instant valuations, performance information and asset exposure analysis.

 

Transparency

We provide the highest levels of transparency for assets and costs in line with, and often exceeding, that required by the industry.

 

Fast and Simple Online Application

Once a professional adviser is registered with TAM they can download customised client reports and efficiently open accounts.

 

International Investment & Increased Diversification

The Ethical product allows for a broadly diversified investment solutions including an international element in line with the risk profile selected.

 

Multi-asset investing

With a best of breed approach, TAM creates and manages portfolios diversified not only by underlying investment asset and sector, but also by manager and corporate provider. This is essential to adding value to client portfolios. Depending upon the selection of risk profiled portfolios TAM uses OEICS, unit trusts, exchange traded funds and structured products to access a broad range of assets including equities, fixed income, property, commodities, alternative investment and hedge funds.

 

Ethical Oversight Committee

 

Virtuo Ethical

We complement our own award winning investment process with ethically focused research provided by experts Virtuo Wealth Management and Morningstar. Their experience in this sector provides essential support to TAM’s investment management team in the process of reviewing and selecting ethically aware investments.

 

The UK Sustainable Investment and Finance Association (UKSIF)The Ethical and Environmental Investment Association (EIA)  

Both TAM and Virtuo are members of the UK Sustainable Investment and Finance Association (UKSIF) who promote responsible investment and other forms of finance that support sustainable economic development, enhance quality of life and safeguard the environment. Further to that, Virtuo is a member of the Ethical and Environmental Investment Association (EIA) which is an association of financial services professionals from around the UK, dedicated to the promotion of ethical and sustainable investment.

 

In March 2016, investment research firm Morningstar, released its Morningstar Sustainability Rating for over 20,000 funds - a measure of how well the companies held by a fund are managing their ESG risks and opportunities when compared with similar funds. They use companylevel ESG data from Sustainalytics, a leading provider of ESG ratings and research, to calculate the rating. This is an important first step toward providing investors with better tools to evaluate and compare funds based on sustainable investing principles. It is an advancement that should help ethically minded investors generate better outcomes when measured in terms of ESG opportunities and risks. TAM are delighted with this innovative and valuable resource that Morningstar are producing to help the investment decisions made by our ethical oversight committee.



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