Activus Wealth Ltd (“Activus”) provides a bespoke financial planning and investment management service to private individuals, trusts, family offices and institutional investors. We have offices in Surrey and Hertfordshire.
Activus is owned and managed by a small group of finance market professionals, each with more than 25 years of experience in different areas of the market. We are therefore able to offer an individually tailored service for each client encompassing financial & tax planning, private client investment advice and fund management. We aim to offer an unparalleled level of service with high quality financial advice to a limited number of clients. Our primary aim is to give the advice which we would want to receive ourselves and we are advice driven and seek solutions which meet our clients’ individual needs. Activus has developed organically through friends, business acquaintances and client referrals rather than through advertising. We rely on a consistently high level of service to encourage our clients to recommend us to their contacts and we have the confidence to impose no exit charges. Our approach to investment management and financial & tax planning aims for capital preservation with high risk adjusted long term returns, maximises the use of allowances while minimising taxes paid and allows our clients to sleep well at night.
Financial & Tax Planning
Our financial & tax planning service aims to provide a holistic solution to the preservation and growth of family wealth. We help clients optimise the use of widely accepted tax and investment rules such as the tax-free dividend allowance, annual capital gains tax allowance, using basic rate or non-working family member’s personal income and tax allowances, using ISA and SIPP allowances, offshore bonds, venture capital trusts, enterprise investment schemes and inheritance tax planning. We do not believe there is a need for undue complexity and will not suggest structures which have a high risk of an HMRC challenge in the future.
We offer our clients three distinct services:
- Financial and Tax Planning
- Investment Advice
- Fund Management
Most clients want to achieve real growth in their capital over time rather than matching an equity or hybrid equity/bond benchmark so we seek absolute rather than relative investment returns. This means that our client portfolios tend not to conform to a traditional mix of equities, bonds, property and cash. We want to make positive returns regardless of equity or bond market direction and we strive to achieve those returns with significantly less volatility than equity market indices. We have a contrarian, value oriented bias in our approach to investing and are not afraid to have portfolios which differ significantly from what is considered conventional. While we can and do invest in company shares, corporate & government bonds and other assets directly, the majority of our funds are invested through other money managers. These are selected on the basis of having a niche skill-based investment strategy which would be impossible for us to replicate and for which the net investment returns are expected to offer high risk adjusted returns with a low correlation to our other investments. Investments can go down as well as up and you may not realise your full investment.
Our Fund’s investment objective mirrors that of the majority of our private clients who have a medium to long term investment horizon. The Fund aims to achieve consistent returns irrespective of what is happening in the equity or bond markets and has a long term objective of at least the Bank of England Base Rate + 5% before fees. The Fund is not constrained by any particular market benchmark and can be invested in asset classes including equities, fixed income, private equity, commodities, real estate, currencies, derivatives and cash. The aim is to generate high risk adjusted returns with significantly lower volatility than equity indices and low to moderate correlation with equities and other asset classes. The same investment processes which apply to private client accounts are used for the Fund. All Activus principals have invested substantially all of their investible liquid net worth in the Fund and most clients have a substantial portion of their assets in the Fund. The vehicle offers several additional benefits over an individual account including access to non-retail investments, gross capital gain roll up within the Fund, higher diversification, efficient portfolio management and alignment of interest with the manager.