Why use a discretionary fund manager (DFM)?

The financial markets have never been as fast moving as it is now and the complex structure of it makes it a very daunting task for investors to learn. Keeping up with global events and how they affect the market is important to a good performing portfolio and most successful people don’t have the time to do this. This is why a DFM can help understand your needs & objectives and take care of it for you. DFM´s use their discretion to invest and manage a portfolio that is bespoke to you which helps cater towards very individual and specific needs and objectives.

Frequently Asked Questions

A major benefit of a DFM is that they react straight away to market conditions, whereas traditional mutual funds will have to follow a set structure outlined from the start which they can’t steer away from. This can lead to higher performance for some DFMs and requires extra skill from the DFM to make sure they react in the right way. They can also be bespoke to a client’s wishes. For example, you could exclude specific investments such as tobacco stocks or have certain focuses such as high-yield stocks.

This used to be the case and for some DFMs it still is, however, with the use of specific investment vehicles and a financial adviser, you can get access to DFMs at a much lower investment amount.

Generally speaking, DFMs are only available through IFAs so you cannot contact them directly yourself unless you invest a substantial amount of money. Having a financial adviser also provides you with access to use other DFMs and give you regular breakdowns of the hottest DFMs on the street.

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Value for Money

Having a DFM look after your money comes at a premium and sometimes this premium outweighs the benefits. This is why you need to compare the average cost of the DFM and find out whether you are getting good value for money or not. A little bit of research is worth its weight in gold.

Track Record

You want to understand the investment story for a DFM before you dive in. How long has it been around for? What is its track record like compared to its competitors and also the benchmark it follows? What risk is it taking for the returns it makes? There are many factors to consider when making your final decision.

Assets Under Management

A healthy growth in assets under management (AUM) is a great sign that the DFM is moving in the right direction. You should only invest into DFM’s with large pools of assets under management.

Invested a lump sum and transferred my pension with SJB Global last month. Happy so far and looking forward to seeing how the investments perform. I was really impressed with the process and explanation of complex terminology.

Barbera Louis

Having previously gotten cold feet after almost going through with the transferal of my UK private pension to a QROPS with another wealth management company who, for a number of (good) reasons I felt uneasy with, I decided to look independently for an alternative adviser and was fortunate to come across Sam Barber quite by chance. Thanks to his endless patience in answering all of my questions and his excellent support throughout the entire process (which seemed very daunting initially), I am now confident that my future pension is in the best hands. He has put my mind at rest over so many issues and my initial lack of trust in such financial institutions has fully dissipated since becoming his client. I have no hesitation in recommending Sam to anyone who is even just considering transferring a pension out of the UK. He will not talk you into anything that you are unsure about and no question is too stupid. He knows what he’s talking about, gives sound advice and is 100% reliable. There are without doubt many sharks out there – happily Sam is not one of them.

Alia Harrison

I transferred my pension 6 months ago after speaking with a number of advisers in relation to my enquiry. Having initially being overwhelmed with the ordeal, Sam made me feel at ease with the whole process. And on our first semi annual review I am very pleased with the performance and feel like I have made the right decision. I would recommend SJB global to any expat who is looking to transfer their pension.

Jade Bolton

I started the process of finding information out about how to transfer my UK pension overseas and got a bit lost with it all. After sending out a few inquiries, I decided to go with Jake as I found his advice and costs to be completely transparent. The other 2 advisers had recommended me a QROPS and Jake said I was best suited to transfer to a SIPP and sent me links to authoritative websites to back up his reasons. I would recommend Jake to anyone who is looking for transparent advice.

Salvador Iglesias

Invested a lump sum and transferred my pension with SJB Global last month. Happy so far and looking forward to seeing how the investments perform. I was really impressed with the process and explanation of complex terminology.

Barbera Louis

Having previously gotten cold feet after almost going through with the transferal of my UK private pension to a QROPS with another wealth management company who, for a number of (good) reasons I felt uneasy with, I decided to look independently for an alternative adviser and was fortunate to come across Sam Barber quite by chance. Thanks to his endless patience in answering all of my questions and his excellent support throughout the entire process (which seemed very daunting initially), I am now confident that my future pension is in the best hands. He has put my mind at rest over so many issues and my initial lack of trust in such financial institutions has fully dissipated since becoming his client. I have no hesitation in recommending Sam to anyone who is even just considering transferring a pension out of the UK. He will not talk you into anything that you are unsure about and no question is too stupid. He knows what he’s talking about, gives sound advice and is 100% reliable. There are without doubt many sharks out there – happily Sam is not one of them.

Alia Harrison

I transferred my pension 6 months ago after speaking with a number of advisers in relation to my enquiry. Having initially being overwhelmed with the ordeal, Sam made me feel at ease with the whole process. And on our first semi annual review I am very pleased with the performance and feel like I have made the right decision. I would recommend SJB global to any expat who is looking to transfer their pension.

Jade Bolton

I started the process of finding information out about how to transfer my UK pension overseas and got a bit lost with it all. After sending out a few inquiries, I decided to go with Jake as I found his advice and costs to be completely transparent. The other 2 advisers had recommended me a QROPS and Jake said I was best suited to transfer to a SIPP and sent me links to authoritative websites to back up his reasons. I would recommend Jake to anyone who is looking for transparent advice.

Salvador Iglesias

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