I NVESTMENT MANAGEMENT

IMINTELLIGENTMONEY

Intelligent Money is aspecialist InvestmentManagement Firmand the UK’s largest intermediary-only SIPP provider. We take instructions from professional intermediaries (such as financial advisers,lawyers and accountants) on behalf of their clients.

Our head office (detail shown in this

picture) is The Shire Hall in Nottingham’s historic Lace Market.

INTELLIGENT MONEY

We continually invest in developing the highest quality, best value investment propositions for clients of professional intermediaries.

Intelligent Money offers a unique investment proposition – our IM Optimum Portfolios – where risk is managed internally based upon your age, investment horizon and end requirement (ongoing income or capital withdrawal). Asset allocation is established, regularly reviewed and updated based upon these primary factors. The selection and management of the underlying investments runs in conjunction with this. Our approach provides you with a unique 3-Dimensional investment management logic.

We also operate on 3 basic principles when it comes to administration and service levels; we do what we say we will do, we do it correctly and we do it on time. We believe this is why we have become the UK’s largest intermediary-only SIPP provider.

We have a strategic partnership with Quilter Cheviot (managers of the underlying investment mandates for our IM Optimum Portfolios) and work alongside NEST when firms require this as part of their automatic enrolment solution.

We also believe in using technology to keep things simple. You can find out more about us by looking though our website or speaking with your adviser.

RISK MANAGEMENT

In order to achieve the best investment returns it is vital to establish the optimum risk/reward ratio and regularly adjust this on an ongoing basis.

There are two schools of thought when it comes to risk management. One is that it should be external from the investment management process, the other is that it should be managed internally as the core driver of the ongoing investment management process. The former was born out of necessity (there were no other options available to advisers) and the latter has been driven in the US by the development and demand for target- dated investments.

Intelligent Money’s IM Optimum Portfolios are highly sophisticated target-dated investments. They bring together the technology required for target dating and the very best of traditional discretionary investment management from Quilter Cheviot.

Our IM Optimum Portfolios comprehensively cover all major asset classes including cash, fixed interest (UK and Global), equities (Small, Medium and Large cap – UK, European, North American, South American, Far East, Emerging Markets, etc.), property and alternatives (Gold, Agriculture, Private Equity, Hedge Funds).

These asset classes are then weighted (or omitted altogether) depending on your particular circumstances and the prevalent market conditions at any given point in time and then regularly reviewed and amended.

This process provides a complete, bespoke, discretionary investment management solution geared to your individual requirements – with internal risk management constantly acting as the core driver of all other investment decisions.

GROWTH, PRESERVATION

& INCOME

Your goals, requirements and time frames are unique to you. We ensure the management of your investment portfolio is too.

Regardless of whether you are building your wealth or drawing down an income from it, it is important that your investments are being managed in a way that always puts the preservation of your capital first.

This is precisely what the IM Optimum Portfolios are designed to achieve.

IM Optimum Growth manages risk, asset allocation and underlying investments in order to achieve a lump sum for withdrawal at your chosen target date.

The risk/reward ratio from day one is set at a level commensurate with the time remaining until your anticipated withdrawal date (so someone with a 20 year growth horizon will initially be at a higher risk/reward ratio than someone with 10 year investment horizon, etc.). As your target date approaches risk is managed down.

IM Optimum Growth & Income does the same, but instead of managing your investments down to a risk rating of 1 it manages you into a balanced income-producing portfolio. This is ideal for people wanting growth now and income in the future.

IM Optimum Income Drawdown is, from day one, an income portfolio that manages risk at a balanced level (5) on an ongoing basis, making asset allocation and underlying investment management changes in line with prevalent market conditions.

Within the whole risk/reward spectrum of 1–10 our highest level (10) always retains a ‘balanced’ approach (never being reckless or over adventurous) and our lowest level (1) is very cautious with low volatility (but is not intended to be an alternative for cash).

INVESTMENT PROCESS

Our investment process and philosophy allows us to keep ahead of constantly changing markets whilst incorporating each client’s requirements.

We have 60 individual investment mandates that are managed by Quilter Cheviot on a daily basis, each covering different sets of asset allocation and underlying investments on the risk/reward spectrum.

We then map these onto two different ‘glide paths’ to create the optimum risk/reward ratio for each individual client at any given point in time. The first ‘glide path’ blends through the portfolios designed to provide a capital lump sum for withdrawal at your target date (IM Optimum Growth). The second blends through portfolios designed to produce the optimum level of income at your target date (IM Optimum Growth & Income).

You are always free to switch between these two options or mix and match. Equally you can select different target dates for each portfolio and change these target dates whenever you wish.

Therefore, when you invest with Intelligent Money, the point at which you enter either of our internal glide paths is determined by your current age and your anticipated target date. This means you will always be invested in a managed investment portfolio that has the optimum risk/reward ratio for your circumstances. Equally this risk/reward ratio is amended on an ongoing basis – in line with your chosen glide path – to ensure it always remains at the optimum level for you.

For investors seeking the optimum level of income from a balanced managed portfolio we also offer IM Optimum Income Drawdown. This is the portfolio that IM Optimum Growth & Income blends into in its final growth years.

AUTO ENROLMENT

Every eligible employee must be offered a workplace pension. Intelligent Money provides cutting edge software to enable your business to seamlessly meet the automatic enrolment rules.

The entire system is automated and can accept every employee from every company without limitation or scheme pricing.

All required documentation, opt out notices and re-opt in events are generated and stored automatically, ensuring full compliance with the new pension rules.

The software also features an adviser portal (where advisers can see all their clients), and employer portal (where companies can view everything relating to their scheme) and an employee portal (where individual members can access information regarding their individual schemes).

To work alongside this software we have developed an automatic enrolment qualifying Default Portfolio for employees who do not wish to engage in selecting an IM Optimum Portfolio for their group SIPP.

Business owners are also able to activate bespoke SIPP functionality to hold assets such as commercial property.

Our online application process takes only five minutes and is free of charge. We are also able to offer a full on-boarding service that manages the payroll uploads on your behalf.

We also work alongside NEST when firms require this as part of their automatic enrolment solution.

Our automatic enrolment solution has been awarded the highest available 5 Star rating from independent financial researcher Defaqto.

BESPOKE SIPPS

We understand that some clients may requireadditional functionality on top of our IM OptimumPortfolios. We provide full to access this.

As the UK’s largest intermediary only SIPP provider, with the maximum5 Star Defaqto rating for individual (as well as our Group) SIPPs, Intelligent Moneyknows that some clients require additional investment scope and functionality.

All of our SIPPs therefore offer full access to open architecture investing outside of our IM Optimum Portfolios.

Subject to minimum holdings in IM Optimum Portfolios our IM Optimum SIPP can provide this with no annual charge (excluding property charges) and our IM Bespoke SIPP can provide this with no charges whatsoever.

Alternatively, our Intelligent SIPP and Intelligent Pension are designed specifically for clients seeking Intelligent Money’s highly respected SIPP provision for 100% external investments at a low cost charge structure.

We also have a specialist and highly experienced property team to service clients wanting to hold commercial property within their SIPPS.

Whatever you want from your pension arrangements, providing the investments are within the FCA’s table of standard assets we can accommodate this.

GOVERNANCE &FINANCIAL SECURITY

Intelligent Money’s Board of Directors has a combined 100 years of experience in financial

services and investment management.

Intelligent Money’s Board of Directors has a wealth of experience and knowledge including regulatory, compliance, legal, financial and corporate governance disciplines. The Board is assisted by our senior managers, in-house charted accountant, human resources manager and technical operations team.

This is complimented by our sales and business development directors, software development department, transactions team, adviser support and new business team and our specialist SIPP managers.

We are authorised and regulated by the Financial Conduct Authority (FCA).

Regulatory rules strictly govern the way we hold client money and investments, meaning that your assets are always held separately from those belonging to our firm.

Client money is held in individually named accounts with The Bank of Scotland. This is completely separated from our business accounts with Coutts & Co.

Investments in our IM Optimum Portfolios (and our IM Default Portfolio) are furthermore held within a custody account operated by Quilter Cheviot. This means the assets you hold with us always remain your legal (or beneficial in the case of SIPPs) property.

Intelligent Money is authorised and regulated by the Financial Conduct Authority FCA number 219473 and is registered in

England and Wales under Company Registration 04398291. The Registered Office address and address for all correspondence is,

The Shire Hall High Pavement Nottingham. NG1 1HN.

Telephone Number 0115 948 4200. Fax Number 0115 979 9700. Email enquiries@intelligentmoney.com

Investors should remember that the value of investments, and the income from them, can go down as well as

up and that past performance is no guarantee of future returns. You may not recover what you invest.

This document is not intended to constitute financial advice; if you are in any doubt as to its contents you should seek

professional financial advice. Investments and investment services referred to may not be suitable for all recipients.