Our Services

International expertise delivered globally

At Royal Alliance Capital, we recognize that every client has different goals for their finances – from buying shares through to finding tax-efficient ways to invest a lump sum or setting up a retirement plan – so we offer advice that is equally broad.

Whatever your needs, your Royal Alliance advisor will be able to help you tap into the expertise of one Europe’s leading independent private client investment firms. You will also have the reassurance of knowing that we have no ties to any fund managers, banks or financial institutions and our advisors are free to search the whole market to find the products and services that suit your needs.

Working with Royal Alliance Capital allows you to tap into a wide range of investment vehicles and financial planning knowledge to find the right mix of services that will work for you.

Teaming up with one of the Europe’s largest independent private client investment managers gives you access to a dedicated team and lets you tap into the wider resources and expertise of the Royal Alliance Capital. You also have the reassurance of knowing that we can search the global financial markets to find the most suitable investments for you. This allows us to create a best-of-breed investment portfolio tailored to your circumstances and objectives.

Our Investment Managers start by learning more about your financial position and what you want your investments to achieve. They will also ask you how much involvement you wish to have in the day-to-day running of your investment portfolio. We will then work with you to create a portfolio that reflects your individual requirements.

If you would like to find out more about the services we offer , please contact a member of our team.

Investments

We offer a broad range of investment services, products and sectors that include:

•Discretionary Management

•Advisory Management

•Execution Only

•Collective Investment Management Service

•Ethical Investment

•Offshore Services

•Online valuations
 
For further information about Royal Alliance Capital or any of our services, please complete our online form or contact one of our advisors.

Discretionary Management

Discretionary Management is our premier service and is suited to investors who want our experts to handle the management and administration of their portfolio. We start by speaking with you to establish your tolerance for risk, expected return, income requirements, tax position and any ethical views you may wish to have taken into account. We will then make all the investment decisions on your behalf. This form of management enables us to act swiftly when markets change and we currently manage over € 15 billion of our clients’ money in this way.

Advisory Management

If you prefer to make your own investment decisions and want access to professional advice, you can take advantage of our Advisory Management service. This allows you to be involved in the day-to-day business of managing your portfolio.

Execution Only

If you do not require any investment advice and are happy to make your own investment decisions, you can use the simple Execution Only service of our Stocktrade division. This facility is available via telephone or by post.

Collective Investment Management Service

Our Collective Investment Management service (CIMS) enables you to invest in a wider spread of investments and may potentially reduce the risk sometimes associated with holding individual shares and/or bonds. A CIMS portfolio is a practical way to invest across a broad range of investment products in the international financial markets.

Offshore Services

Our Isle of Man office caters to the investment needs of the international investment community. From this globally recognised centre of excellence for trusts, private banking and fund administration, our experts offer a full range of stockbrokerage and portfolio management services. These are some of the key benefits of investing offshore:
•Potential tax advantages

•Asset protection

•Confidentiality

•Diversification of investments
 

Any tax advantages mentioned are based on personal circumstances and current legislation which is subject to change.

Our Investment Philosophy – Investment Philosophy 101

Active Management

•We utilize active management at all levels of the investment process ranging from asset allocation through to fund and stock selection in order to add value for our clients.
•Royal Alliance has a long history of successfully managing multi-asset portfolios for clients to deliver the investment objectives within appropriate levels of risk.
 
Diversification

•We believe that well managed multi-asset portfolios deliver superior returns for a given level of risk over the medium term.
•For all portfolios, we take great care to ensure that we achieve appropriate diversification across geography, sector and type of asset.
 
Risk Management

•Managing risk is a critical element of successful investment. Investment guidelines for each multi-asset portfolio are based on an assessment of the volatility of each asset class.
•To ensure compliance with risk managed targets, analysis is undertaken on each portfolio on a daily basis.
 
Portfolio Construction

•Our multi-asset portfolios encompass exposure to many different assets in different geographies.
•We believe that no single investment manager or investment management company has the greatest level of expertise in all these areas.
•We focus our efforts in the areas where we have specialist expertise and in which we can add the greatest value to our clients: asset allocation and the selection of individual stocks.
 

The Basics of Investing Offshore

Offshore investing refers to a wide range of investment strategies that capitalize on advantages offered outside of an investor’s home country.

There’s a common misconception that offshore investments are either ‘dodgy’ or only for the really wealthy. Neither are true. As more and more investors recognize the tax and investment advantages, offshore investments are becoming much more of a mainstream investment. Offshore investing is often demonized in the media, which paints a picture of investors stashing their money with some illegal company located on an obscure Caribbean island where the tax rate is next to nothing. While it’s true that there will always be instances of shady offshore deals, the vast majority of offshore investing is perfectly legal. In fact, depending on your situation, offshore investing may offer you many advantages.

There are a number of reasons why you might want to invest with an offshore company.

Tax Reduction
Many countries (known as tax havens) offer tax incentives to foreign investors. The favorable tax rates in an offshore country are designed to promote a healthy investment environment that attracts outside wealth. For a tiny country with very few resources and a small population, attracting investors can dramatically increase economic activity. Simply put, offshore investment occurs when offshore investors form a corporation and/or invest in a foreign country. The corporation acts as a shell for the investors’ accounts, shielding them from the higher tax burden that would be incurred in their home country. Because the corporation does not engage in local operations, little or no tax is imposed on the offshore corporation. Many foreign companies also enjoy tax-exempt status when they invest in U.S. markets. As such, making investments through foreign corporations can hold a distinct advantage over making investments as an individual.

Tax Control
It’s possible to assign your investment to either a spouse or adult child who may be a non-taxpayer or a starting or basic rate taxpayer without an income or capital gains tax liability occurring.

The person cashing in the investment may have a lower income tax liability than you would have done, depending on their marginal tax rate. It’s important that the investment is genuinely gifted for this to work.

No capital gains tax (CGT)
You can switch between assets without triggering a CGT liability. Tax may be paid later than if you invested directly into an actively managed portfolio of unit trusts, for example.           

Virtually tax-free growth
Your investment won’t be taxed year on year (like an onshore investment), apart from some withholding tax that can’t be recovered on certain funds.

More of your money is building up over the time.

Inheritance tax planning
You can choose to put your investment in trust. This can help reduce, or avoid, taxes that have to be paid when you die and pass on your wealth. Any benefits payable go to who you want them to, not the taxman.

Asset Protection
Offshore centers are popular locations for restructuring ownership of assets. Through trusts, foundations or through an existing corporation individual wealth ownership can be transferred from people to other legal entities. Many individuals who are concerned about lawsuits, or lenders foreclosing on outstanding debts elect to transfer a portion of their assets from their personal estates to an entity that holds it outside of their home country. By making these on-paper ownership transfers, individuals are no longer susceptible to seizure or other domestic troubles. If the trustor is a U.S. resident, their trustor status allows them to make contributions to their offshore trust free of income tax. However, the trustor of an offshore asset-protection fund will still be taxed on the trust’s income (the revenue made from investments under the trust entity), even if that income has not been distributed. 

Institutional buying power
Many providers are able to negotiate preferential terms on the assets available for investment. This saves you more money than if you invested direct.

Diversification of Investment
Offshore investment companies generally offer access to a range of assets not available to traditional investment companies. You and your advisor can build a cost-effective portfolio from a vast choice of investments, no matter what your risk profile or investment objective is.

In some countries, regulations restrict the international investment opportunities of citizens. Many investors feel that such restriction hinders the establishment of a truly diversified investment portfolio. Offshore accounts are much more flexible, giving investors unlimited access to international markets and to all major exchanges. On top of that, there are many opportunities in developing nations, especially in those that are beginning to privatize sectors that were formerly under government control. China’s willingness to privatize some industries has investors drooling over the world’s largest consumer market.
 

Confidentiality
Many offshore jurisdictions offer the complimentary benefit of secrecy legislation. These countries have enacted laws establishing strict corporate and banking confidentiality. If this confidentiality is breached, there are serious consequences for the offending party. An example of a breach of banking confidentiality is divulging customer identities; disclosing shareholders is a breach of corporate confidentiality in some jurisdictions. However, this secrecy doesn’t mean that offshore investors are criminals with something to hide. It’s also important to note that offshore laws will allow identity disclosure in clear instances of drug trafficking, money laundering or other illegal activities. From the point of view of a high-profile investor, however, keeping information, such as the investor’s identity, secret while accumulating shares of a public company can offer that investor a significant financial (and legal) advantage. High-profile investors don’t like the public at large knowing what stocks they’re investing in. Multi-millionaire investors don’t want a bunch of little fish buying the same stocks that they have targeted for large volume share purchases – the little guys run up the prices.

Because nations are not required to accept the laws of a foreign government, offshore jurisdictions are, in most cases, immune to the laws that may apply where the investor resides.  

How Safe Is Offshore Investing?
Popular offshore countries such as the Bahamas, Bermuda, Cayman Islands and Isle of Man are known to offer secure investment opportunities. More than half of the world’s assets and investments are held in offshore jurisdictions and many well-recognized companies have investment opportunities in offshore locales.

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