model portfolios

stellar wealth is committed to developing a wide range of innovative portfolios, each of which is designed to meet the specific needs of individual clients.

stellar wealth has core investment portfolios which are designed to give a spread of investment risk. Any one of the portfolios can form the backbone of an investors portfolio. We have allocated a risk level of between 1-10 for each portfolio, where 1 indicates a safe investment, such as a cash deposit with a major bank, and 10 represents a highly speculative investment with a chance of losing capital invested.

This is designed to deliver a rising income stream in addition to a stable and rising capital value investing in a portfolio of mainly UK based equity, bond and property funds. This is designed as a core holding, particularly suitable for investors with a more conservative risk approach.

This portfolio invests in equity income oriented funds, largely within the UK but occasionally overseas, to generate an income stream in addition to capital growth. This is another core holding, perhaps more suitable for clients with an intermediate risk outlook, with a higher emphasis on equities than the income portfolio above.

This portfolio invests in a range of equity and bond funds focussing on the European market. The aim of this portfolio is to harness growth in companies listed on the European bourses in addition to economic growth in the Eurozone countries. An equity and bond fund, focused on Continental Europe so the risk is generated by being solely invested on one region and party to any movements in GBP/EUR rate.

This portfolio invests in a well diversified portfolio of global equities and bonds seeking to harness global economic growth and invest in multinational companies. The globalised nature of this portfolio leads to considerable exchange rate risk although this is spread over the major currencies. The limited number of truly global funds adds marginally to the risk level and this portfolio is likely to contain fewer funds than the others as a result.

This portfolio is designed to deliver maximum growth through investment in a portfolio of equities, bonds, property and currency and seeks to generate positive returns in whichever asset class and wherever in the world an opportunity presents itself. This portfolio will usually be well diversified, however as it may focus on a particular sector/region it can be a higher risk.

This portfolio aims to take advantage of opportunities in growing economies of the Eastern hemisphere to generate long term capital growth. The remit includes Japan, the Far East and Eastern European countries. This is a higher risk on account of currency fluctuations and the possibility of political unrest and lower quality corporate governance.