The Candour Portfolio Service

Whilst overseas, most expatriates take advantage of an offshore savings plan or an offshore investment bond to access returns that are potentially much higher than you would receive through a bank account. These products require the policyholder to select, monitor and manage a range of offshore investment funds; which is not something the average expatriate has either the time or inclination to do.

With this in mind, Candour Consultancy offer a range of actively managed portfolios of funds where we provide monthly fund performance figures to our clients and recommend fund switches as and when market conditions change.

Whether you are looking to establish a savings plan or you hold an existing policy and are unhappy with either the policies performance or your financial advisors advice, this free service could be of interest to you.

For each provider, we offer three portfolios based on the investors attitude to risk: a cautious portfolio, a balanced portfolio and a more aggressive portfolio of funds. Candour Consultancy actively managed these portfolios of funds, recommend any fund switches and provide monthly performance updates via email.

The benefits of the service include:

• The service ensures your investment strategy corresponds with your risk profile

• You receive monthly feedback on the performance of your investment

• The funds are constantly monitored and we recommend fund changes when we feel the performance of the portfolio can be improved

• If markets conditions suddenly change (perhaps a stock market crash or regional crisis), we can instantly switch to more secure funds to ensure you successfully weather the storm

Below are the latest fund performance bulletins for the portfolios we offer:

  * Aviva - Awaiting Latest Figures

  * Friends Provident International - September 2008

  * Generali International - September 2008

  * Personal Investment Management System - Policyholders will receive personalised quarterly statements

  * Royal Skandia - September 2008

  * Scottish Life International - Coming Soon!

To explain each column of the portfolio figures:-

• The first column lists the funds you are invested in.

• The second column lists how much of your contributions are invested into each of the funds.

• The third column shows the absolute performance of each fund over the past 3 months

• The fourth column shows growth each fund has contributed to your investment over the 3 month period; i.e. 15% of 10.00% equals 1.50%

• Columns five and six show the same data for the past year

Should you wish to be informed by email when revised fund performance figures are available, just click here and provide us with your preferred contact details.

Additionally, Candour Consultancy advise on a wide range of structured investment funds, many of which offer capital guarantees. For more details on these funds and the latest performance figure, click here.