Fluid’s investment objective is to achieve the maximum after-tax total return within defined risk parameters. To deliver a stable income stream Fluid uses a diversified allocation of money market instruments and bonds or bond funds.

Fluid uses an unconstrained approach to investment management by using significant swing factors. Fluid can increase or decrease exposure to each available fixed income category including, High Yield, Corporate Bonds, Global Bonds, Strategic and Sterling Bonds to exploit opportunities or to reduce market risk while remaining within strict portfolio risk parameters.

The portfolios available in this range from Yellow Capital are the Capital Liquidity Account and the Fixed Income Portfolio.

 

CLA is only available via our investment services partners Capital International Limited and forms the most liquid investment portfolio consisting only of cash and term deposits. The investments in this portfolio are extremely short dated cash deposits and the risks are mitigated by investing in high quality bank & building society accounts which have been rated A to AAA / A1+ or A1 by Standard and Poor.

 

The FI portfolio is available on all modern asset management platforms and is predominantly made up of government bonds, corporate bonds and bond funds. This portfolio aims to achieve stable income streams that are backed by credible institutions with investment grade bond ratings.

Both these portfolios suit investors who require relatively quick access to their investment funds, a stable income stream and who do not want to expose their funds to the stock market.

An investment into the Fluid range should be considered for shorter investment horizons up to and including five years.

 

The Fluid Portfolio invests solely in the Capital Liquidity Account (CLA). The CLA is an outsourced discretionary investment management service provided by Capital International Limited. It is AAAf / S1+ rated by Standard and Poor’s and is designed to deliver.

• Institutional money market rates
• Variable or fixed rates
• Strict risk management controls
• Cash managment
• A highly personalised service
• Various liquidity options

Origin

The word Fluid represents the liquidity and ease of access to your invested capital within this capital account. For this reason the Fluid Portfolio invests in the CLA, which is predominantly
made up of cash, currency and term deposits with fixed and variable rates of interest made available by high quality banks and building societies which have been rated A to AAA.

Risk Profile & Categories

On a scale of 1/10 this portfolio ranks 1 – Low Risk and falls into our defined risk category Cautious Asset.

Cautious Asset – The definition of a cautious asset portfolio is one where the historical variability of returns has been less than 40% of that recorded by world equities. The dominant asset classes tend to be cash, bonds and hedge funds.

Currency

GBP, EUR or USD

Minimum Investment

Typically £50,000, €100,000, $100,000

Portfolio Reporting

CLA, within the Fluid Portfolio, is only available on Capital International’s institutional platform. Regular commentary will be provided together with monthly portfolio statements together with S&P Holding Reports.

Liquidity & Redemption

A unique feature of the CLA is that it offers institutional fixed and variable term rates of interest coupled with 2 day liquidity, meaning you have easier access to your investment capital at any stage.

 

The Fluid Fixed Interest Portfolio is an advisory-investment management service designed to deliver.

• A fixed income stream
• A total return target
• Strict risk management controls
• A highly personalised service

Origin

The word Fluid represents the liquidity and ease of access to your invested capital within this portfolio. Fluid is predominantly made up of high quality money market instruments including cash Gilts, bond funds and bonds with fixed rates of interest.

Total Return Objective

Fluid returns are available upon request.

Diversification

The fluid Fixed Income Portfolio invests across the fixed interest spectrum from Gilt to High Yield Bonds.

Dynamic Management Style

Fluid uses an unconstrained approach to investment management by using significant swing factors.
Fluid can increase or decrease exposure to each available fixed interest category including, High
Yield, Corporate Bonds, Global Bonds, Strategic and Sterling Bonds to exploit opportunities or to
reduce market risk while remaining within strict portfolio risk parameters.

Personalised Advisory Service

Fluid is an unbiased advisory service that offers investors full disclosure on the portfolios
management with a highly personalised service.

Fluid is available on a discretionary managed basis upon request.

 

Investment Approach

Fluid’s investment objective is to achieve the maximum after tax total return within defined risk parameters. To deliver a stable income stream Fluid uses a diversified allocation of money market instruments and bonds or bond funds.

Risk Profile & Categories

On a scale of 1/10 this portfolio ranks 2 – Low Risk and falls into our defined risk category Cautious Asset.

Cautious Asset – The definition of a cautious asset portfolio is one where the historical variability of returns has been less than 40% of that recorded by world equities. The dominant asset classes tend to be cash, bonds and hedge funds.

Currency

GBP – other currencies upon request

Minimum Investment

£10,000 lump-sum

Portfolio Reporting

Fluid’s strategy can be run on most modern day asset management platforms. Regular quarterly commentary will be provided together with bi-annual portfolio statements.

Performance Measurement

Fluid’s aim is to achieve target returns for investors. We do not fixate on arbitrary benchmarks and may use them only as reference points.

Liquidity & Redemption

All the securities and investment vehicles are listed or registered securities with daily pricing and liquidity.

Swing Factors

Swing factors give Fluid the flexibility to respond to ominous economic conditions by
reducing risk exposure and enhance opportunities for acquiring value in favourable market conditions.

 

 

The value and income of any of the securities or investments and the price of shares and the income derived from them, which are recommended by Yellow Capital, may fall as well as rise. Investors may not receive the original amount invested in return. Investors should also be aware that past performance is not a guide to future performance.

Yellow Capital Wealth Management is a trading style of Yellow Capital Investment & Financial Planning Ltd which is an appointed represented of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority. Yellow Capital Wealth Management is a member of the Yellow Capital Group.

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