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Restructure

Roger is a long term expatriate, 56 years old and a permanent resident of Hong Kong. Roger worked in Europe and Latin America before settling in Asia. He picked up a number of regular savings plans and a small lump sum investment scheme along the way. He had no consistency of advice as he was moving around and was repeatedly encouraged to start new investment schemes which resulted in him having total investments of nearly £500,000 spread over seven plans. Because of industry consolidation some of the providers were no longer open for business and fund performance had suffered as a consequence. The portfolio as a whole was underperforming Roger's expectations largely due to lack of regular service and high charging structures.

Roger's Platinum consultant approached each of the providers and did a full review of the terms and conditions for each scheme. The consultant advised was that it would be far more efficient to consolidate the seven plans into one. Providers of five of the plans applied penalties for termination  but PFS were able to rebate this amount in full as part of the restructuring process. Roger now has a modern, more transparent portfolio which provides greater access to funds  at a greatly reduced servicing cost which has significantly enhanced performance, compared to his previous situation. Roger decided to use Platinum 'Options' service with discretionary management in line with his risk profile. As part of this service he receives monthly portfolio valuations & global market reports as well as quarterly reviews with his Platinum consultant.

Since restructuring the portfolio in 2008 he has enjoyed performance in excess of  20% per annum without taking on any additional risk, whilst at the same time significantly reducing the servicing cost of his investments.

This case study involves these products

Capital Investment M

Regular Savings M

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