An introduction to our Wealth & Investment services Welcome I am delighted to have the opportunity to introduce Investec Wealth & Investment to you. We would like to give you a snapshot of our business so that you have a better feel for who we are and what we do. I hope that, as you read through these pages, two features will become very apparent. Namely, that our business is fundamentally about people and service. Our job is to offer you, as a client or a potential client, a service of the highest possible standard delivered by high calibre people with expertise and integrity. It is as simple as that. At the back of the brochure you will find various contact details if you would like further information. Please do not hesitate to get in touch. Eddie Clarke Head of Investec Wealth & Investment Ireland 3 A snapshot of our business “Our wide-ranging We look after clients’ savings, expertise, and combination pensions and other financial assets, by using our expertise of local presence and and knowledge to invest global resources are their money wisely to build at your service.” and preserve their wealth. What we do at the same time, offering more resource, Bobby Hassett depth of expertise and robust systems compared Investment Management Investec Wealth & Investment provides Investment with other firms. Management services and Financial Planning advice to private clients, pensions, corporates, Our approach allows us the freedom to build charities, family offices and credit unions. investment portfolios appropriate for the needs of each individual client, without any inbuilt bias. Who we are Experience counts Investec Wealth & Investment in Ireland arose from the acquisition of NCB Wealth Management Investec Wealth & Investment is ideally positioned in 2012, which had been advising Irish clients for to help our clients meet their long-term investment 30 years. objectives. Many of our Investment Managers have been with us for well over a decade, so you Within the wider Investec Wealth & Investment can be sure that the level of expertise available Group the firm’s foundation goes back to 1827 to you is of the highest quality and that our people where historic stockbroking firms such as are sincere about forming a long-lasting business Rensburg, Carr Sheppards Crosthwaite and relationship with you. Williams de Broë form part of our heritage. We are a business that prides itself on being We believe that our firm is attractive to clients there for our clients when they need us. because we are agile and responsive while, 4 5 Our relationship with you Enduring values. Modern methods. Wide-ranging expertise Personal service is at the heart of everything we do and we make it our highest priority, one of our ‘enduring values’. Your investment team at the outset are the same people who will work to meet your wealth management requirements day to day, and with Nigel Poynton whom we hope you will develop a close working Investment Management relationship. Longevity of relationships is key for us, with many of our clients having been with us for over 20 years. Such loyalty and length of service is rare in this day and age. We believe each individual client has unique requirements and needs. We employ technology and intellectual rigour to ensure our investment process and approach is right up-to-date. We believe that both of these ingredients are essential in a successful wealth and investment management firm. 6 7 The services we offer Joe Hanrahan Investment management Further areas of expertise Retirement & Financial Planning for private clients Although the majority of our Investment Our investment management services are Managers focus on private client investment completely tailored to your specific needs. management we also have specialist teams Our discretionary service entails your Investment in the following areas: Manager taking responsibility for day-to-day decisions regarding your portfolio in accordance · Financial Planning for Private Clients with previously agreed objectives. In addition we also offer an advisory service where we work in · Investment Management for conjunction with you. Charities and Corporates To complement our investment management · Discretionary Fund Management service, we can also provide financial planning for Financial Advisers and their clients solutions including retirement planning, pensions, approved retirement funds and estate · Clients based overseas or requiring & succession planning. We can incorporate your offshore services existing investments into the portfolio we manage for you and are able to consider both traditional Full details on these particular services can and alternative investment strategies and asset be found by visiting www.investec.ie allocations to meet your specific requirements. 8 9 How we manage your investments A clear process Secondly, the level of income or capital growth you could potentially achieve will depend on how Naturally, when you entrust us with the much risk you are prepared to take and how management of your money you will want to well markets perform. We will discuss each option know and understand what we will do with with you to help you determine which one would your investments. best suit your circumstances. The right strategy balances potential risks with potential returns. Helping our clients understand the process Whatever your investment objectives, the greater we undertake to look after their wealth is very the return you seek, the more risk you should be important to us and we encourage our clients prepared to take. to ask as many questions as possible – this is how relationships built on long-term trust begin. If you would like a more detailed, step-by-step understanding of how we think about risk and Firstly, to manage your money effectively, we need return, please do not hesitate to request a to create an investment strategy based on your separate document we have produced entitled unique requirements including your personal ‘Managing Your Investments’. circumstances, objectives, knowledge & experience and attitude to risk. Ian Quigley Investment Strategy 10 11 World-class research The strength of combined resources We constantly bring together the best ideas of all the firm’s resources in pursuit of our aim to deliver consistently good risk-adjusted returns for client portfolios. Efficient and streamlined, our independent research team is comprised of a large number of research specialists who work closely with our Investment Managers to focus on the core areas: Asset Allocation, Investment Strategy and Direct and Collective Investments. Our team evaluates research from major international investment sources and markets. Paul Callan We meet with companies, analysts, strategists Asset Allocation and economists to understand the drivers of economic growth and corporate profitability in order to identify business quality and investor sentiment. This is a significant contributor to long-term outperformance. Our research team really understand the mindset of our clients. They challenge themselves to deliver the knowledge and information that they would demand if they were investing their own money. The empowerment of our Investment Managers with this research knowledge enables them both to interpret market uncertainty as well as to provide a tailored service to all our clients. 12 13 Administrative excellence and financial security Administration and reporting Financial security and regulation Administration is also carried out in-house. Client assets are designated in a manner that Clients may access portfolio valuations via clearly indicates they do not belong to the firm. our dedicated website. Our fee structure is Therefore, in the unlikely event of the insolvency competitive, transparent and structured so of Investec, a liquidator would be legally prevented Nancy Egan that our interests are firmly aligned with yours. from using clients’ assets to settle the firm’s liabilities. Client Services Together with your Investment Manager As a Central Bank of Ireland (CBI) regulated you will decide upon the most appropriate investment firm, we adhere to the Client Asset level of personal contact. In addition to the Regulations (‘the Regulations’) when client stock reporting of your portfolio’s performance, or cash is deposited for safekeeping or custody. Investec Wealth & Investment produce a In relation to cash balances, the Regulations range of publications, which aim to keep you require us to deposit client money in a client up-to-date with relevant issues pertaining to account with banks or other credit institutions Investec Wealth & Investment directly and the of a type permitted under the rules. The rules global investment environment more widely. also require us to exercise all due skill, care and diligence in the selection, appointment and periodic review of each bank and custodian – taking into account their standing, expertise and market reputation. 14 15 Well positioned to serve you Always quick to respond to market changes and challenges, we have the ability to invest globally and act locally on behalf of our clients. Relationships start with a conversation, so please get in touch. There is no obligation and our Investment Managers would be happy to outline what could be achieved if you were to become a client. Please contact Bobby Hassett or Nigel Poynton on 421 0000. We look forward to hearing from you soon. 16 17 Why Investec Wealth & Investment? In summary: The information contained within this brochure does not constitute financial