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Discretionary Portfolio Management

Introduction

With our discretionary managed service, we know and understand that everyone has different needs, aspirations and time horizons with different financial circumstances, investment objectives and risk appetites that change overtime. We therefore believe in our bespoke offering rather than a one-size-fits-all approach and restrictive model portfolios which are becoming the industry norm. We have the flexibility to accommodate ethical preferences and exclude certain asset classes or funds. We understand how important your money is to you and that’s why we believe our job is more than technical skill and continuous monitoring of your portfolio, it is also about personal understanding and frequent communication which builds the foundation for a lengthy and trusting relationship. 

Our Infrastructure

  • Fully integrated with BNY Mellon who is the custodian of client assets and fully segregated

  • GPP Wealth Solutions provide digital infrastructure to Dowgate. GPP operate with £2.2bn of assets across various wealth managers

  • Online platform available to clients for account applications and account viewing, with functional user interface

  • Dedicated administrative headquarters in Crawley, UK alongside our team in London, UK

Every decision we make is communicated to you via contract notes, either emailed or posted. We will send you a quarterly report containing details of your performance versus relevant benchmarks, underlying holdings and details of transactions and fees. You can also access your portfolio for daily viewing via our secure online portal where the foregoing reports are readily available too. We will also summarise your end of year tax situation as a result of your investments which can be easily forwarded to your accountant or alternatively, we can send it directly on your behalf each year. 

We believe in complete transparency as regards fees and costs, investment strategy and performance which also helps to compare wealth managers. 

We have access to global research so we can seek to invest in opportunities when they present themselves and phase funds into the market over time. We also invest in third-party funds to increase diversification and gain access a wider range of investment strategies and styles. Your portfolio will offer liquidity and diversification via varying geographies and asset classes. 

Whilst managing your investments we can also work alongside financial advisers, accountants, and solicitors to offer rounded advice on your wider assets to guide you so that you can make informed decisions.

Price is what you pay. Value is what you get.

Warren Buffett

FAQs

There is no minimum requirement as our intention is to be accessible to all

We have a simple & transparent charging structure:

Dealing costs – £20 Compliance Charge

Ongoing costs – Management fees will be agreed with your investment manager on your initial meeting but we are happy to match prior fee structures

No hidden fees – No foreign holding fees or forex costs

Yes, we have a comprehensive online portal where you can view your respective accounts and contract notes in real time

Client communication and client service is paramount for us. You will always speak with the same portfolio manager who can be contacted at any time on the phone or by email. Meetings can also be arranged and should be held annually as a minimum

We would recommend a meeting in person, over the phone or on Zoom at least once every 6 months so we can discuss & review the portfolio and ensure the suitability for risk is still in line with your investment objectives

We will write to you each quarter detailing your portfolio’s current value and quarter on quarter performance. Your client pack will also include an itemised statement for the period and can be emailed or posted to you

We will send end of year tax statements showing total income received during the year and also disposals reports. We are happy to send them directly to accountants if we are supplied with the contact details.

To add funds to your portfolio, simply make a bank transfer to our custodian bank (Global Prime Partners Ltd – GPP) & use your full account reference (beginning with 2916) as the payment reference. If you let us know when the payment has been made we can confirm receipt.

Contact your investment manager should you wish to withdraw any funds or set up any income requirement payments. Please note we are unable to make 3rd party payments.

You will be sent your online login credentials once the account opening process is complete, to include a temporary password and secret phrase. Once you’re logged into the portal, you’ll be able to change your password and secret phrase to something more personal to you. If you need to reset your password and secret phrase, please email hello@dowgate.co.uk

Open an account with us today

We have made it as simple as possible for you to open an account with us. If you need any assistance, you can contact us via our online messaging portal, however, if you would prefer to have a conversation over the phone, a member of our team would be delighted to help.

More Services

We can compliment our bespoke portfolio management service with offshore solutions and provide help with tax efficient investments and inheritance tax planning.

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Offshore

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Tax Efficient Investing

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Inheritance Tax Portfolio Management