Investment decisions have long-term consequences. They need discipline, oversight and a clear view of the long-term.
Advanta Invest is the Discretionary Investment Management company within the Advanta Group. Managed as an entirely separate entity, with its own board, governance structure and regulatory reporting. The firm was created to provide Discretionary Portfolio Management for clients who seek to leverage the capabilities of a dedicated Investment Team, which provides clear communication and operates within a robust compliance framework.
Clients are assigned strategies aligned to their objectives, circumstances and agreed tolerance for risk. Investments are implemented through diversified funds rather than individual securities, supporting breadth, efficiency and risk control.
The firm’s objective is to ensure investment outcomes remain aligned with clients’ risk profiles and long-term financial objectives.
Advanta Invest brings planning and investment management closer together. That means portfolios can be managed with an understanding of the client’s financial life cycle, supporting family, legacy, retirement, business interests and long-term wealth.
Both the management of Advanta Invest and the Investment Portfolios is conducted by individuals who have multi-decade experience in these areas, predominantly at organisations many times the size, scale and complexity of Advanta Invest. This enables them to bring an institutional-style approach to retail investors, helping ensure that best practice is achieved across all disciplines.
Advanta Invest manages portfolios through a risk-rated model portfolio structure.
The firm manages a range of seven risk-rated model portfolios; aligned to the Dynamic Planner Risk Target Managed Risk Profiles 3-9, comprising a wide range of asset classes, managed using a combination of active and passive investment funds.
Asset allocation is designed to optimise risk and reward outcomes from the outset and provide consistency across portfolios. Portfolios are reviewed and monitored for drift and adjustments made periodically (typically quarterly) or as required to ensure investment views are expressed efficiently within desired parameters.
This gives clients access to a disciplined investment process, managed by professionals whose focus is on long-term portfolio outcomes, not short-term market movements, which can distract investors and, if handled poorly, lead to sub-optimal outcomes.
Foundation of Investment
Defining objectives is the essential first step, shaping all portfolio decisions and aligning with client goals.
Client Profile Considerations
Objectives reflect financial goals, risk tolerance, time horizon, liquidity, and ethical preferences.
Strategic Guidance
Clear objectives guide for asset allocation, fund selection, and ongoing portfolio management effectively.
Communication and Transparency
Well-defined objectives improve advisor-client communication and set measurable success benchmarks.
We clearly outline the objectives and investment mandate, along with the parameters of the construction, for each Advanta Invest Portfolio.
The individual investment mandates include:
Advanta Invest will regularly review and adjust the mandates if deemed appropriate.
Our investment philosophy is built on discipline, diversification and long-term thinking.
Advanta Invest provides discretionary investment management through a professionally managed, risk-rated model portfolio approach. Portfolios are designed to reflect client objectives and risk profiles, with investment decisions made through a structured process rather than ad-hoc reaction.
Robust, disciplined, repeatable
We believe effective investment management can be achieved through a robust, disciplined and repeatable approach. It should be clearly explainable, effectively controlled and purposeful in how it is implemented. The investment process is surrounded by a multi-layered governance process and overseen by industry veterans who have been through several market cycles and know how to navigate these accordingly.
The outcome of the process ensures that there is long-term alignment between client expectations and achieved outcomes. This fosters a more predictable long-term outcome and planning journey, which feedback into supporting the achievement of key financial goals.
Investment Process
The investment process is characterised as a continual approach for clients. Starting with clearly defining each portfolio objective, followed by the strategic asset allocation which defines the underlying mix of asset classes used, before leveraging our external specialist fund research partner to help select the most appropriate underlying Funds, which are blended during the portfolio construction phase. The process concludes with the automated rebalancing of the portfolios and rigorous review by our Investment Committee.
Optimal Asset Mix
Strategic allocation determines the ideal combination of equities, fixed income, and alternatives to achieve a given level of risk.
Diversification Benefits
Diversifying across asset classes can help manage volatility and improve the balance of risk and return, based on principles of modern portfolio theory.
Long-term Strategy
Strategic allocation is designed for the long-term (5 years plus), accommodating market fluctuations and aligning with risk tolerance.
Risk and Geography Management
Allocation also considers currency risks, sector variety, and geographic spread to help manage exposure to systemic risks.
Advanta Invest partnered in late 2023 with Legal and General Investment Management (LGIM) for the provision of its Strategic Asset Allocation, having selected them as part of an extensive due diligence process. As Advanta Invest is able to select from across the market with which to partner, we maintain an ongoing review of the relative strengths of their output. This enables us to make a substitution in the unlikely case that it is required.
1. High Level Fund Selection
Advanta Invest utilises Square Mile Investment Consultancy & Research as their primary Fund Research Partner. Square Mile have been tasked with providing a bespoke panel of ‘best-in-class’ investment recommendations, aligned to Advanta Invest’s specific objectives, market-cap and stylistic requirements.
2. Ultimate Fund Selection – Advanta Invest Chief Investment Officer & Investment Committee.
Advanta Invest takes the shortlist and undertakes detailed analysis in order to determine the most suitable funds given the specific requirement of the portfolios. Advanta Invest analyses the funds via three main areas:
Operational Processes
Quantitative process
Qualitative assessment
Through the portfolio construction process, the investment team adjust the proportional weighting of different funds to achieve a change in a number of underlying investment factors. These include:
The objective is to ‘tilt’ the portfolios towards the areas perceived to have the most favourable medium-term outcome, whilst optimising the risk and return profile of the underlying portfolio for the long-term.
The construction and running of a market-leading investment proposition requires input from a broad range of experts to not only inform but provide challenge and encourage debate.
Within our role as Discretionary Investment Manager and steward of the assets you have placed with us, the Advanta Invest Investment Committee (IC) act as the coordinator for the many industry partners who provide technical insight, advice and support to form and create our suite of Risk Rated Model Portfolios.
The Investment Committee is chaired by the Advanta Invest Chief Investment Officer and is made up of senior members within Advanta Invest and two external Investment Consultants. In practice the Chief Investment Officer manages the portfolios on a day-to-day basis within parameters agreed by the Investment Committee. Should global events trigger a requirement to make material changes then at least one of the independent members of the Committee must also agree to the proposed changes. This ensures that there is appropriate check and challenge during times of market stress. Independent members are UK-based and available to provide timely challenge when required.
Strong governance is central to the Advanta Invest approach.
Investment decisions are made within a controlled framework, with portfolios managed against defined mandates and monitored through appropriate oversight. Our governance structure is designed to support accountability, consistency and responsible decision-making.
Advanta Invest is authorised and regulated by the Financial Conduct Authority. Its public disclosure materials also refer to maintaining portfolios within targeted Dynamic Planner risk categories, capital adequacy obligations, performance and volatility management, execution quality and operational excellence.
This framework helps ensure investment decisions are not driven by unnecessary risk-taking, but by a clear understanding of objectives, risk levels and long-term suitability.
Client assets are held through regulated custody arrangements, providing further reassurance around the way portfolios are administered and protected.
The Advanta Invest Investment Committee comprises senior members of the organisation with a broad range of skills, including representatives from the Investments, Operations and Governance Teams. This creates an environment of challenge and discussion, along with ensuring all aspects of the business are considered when making decisions.
The Committee has designed and maintains a clearly defined and robust investment process that draws on the experience and expertise of the Investment Committee and of our market-leading strategic partners. The Committee has oversight of the entire investment proposition, with the authority to make necessary adjustments to ensure suitability is maintained over time.
External Members:
LGIM: Legal & General Investment Management provide the Strategic Asset Allocation for the Advanta Invest Discretionary Portfolio Range and hold a visiting seat on the Investment Committee. They provide insight and guidance on Long Term Capital Market assumptions and developing economic trends.
If you have a question about Advanta Invest and the services we provide, you’ll find some of the most common questions here.
Investments can go down as well as up; therefore, investment values do change and are not guaranteed. The content of this website does not constitute advice.
Advanta Invest provides discretionary investment management, managing a range of risk-rated model portfolios for clients whose investment needs require professional oversight.
Discretionary investment management means investment decisions are made and implemented by a professional investment manager within an agreed mandate. The governance framework ensures that it is not one individual making the decisions, checks and balances are embedded within the approach to ensure that there are multiple levels of oversight. This allows portfolios to be managed actively and efficiently without requiring the client to approve every individual decision while ensuring that they can have confidence that the firm will always be acting in their best interests.
Risk-rated model portfolios are investment portfolios designed to suit different levels of risk. They do this by investing in different types of assets, such as shares, bonds, property and cash.
Generally, portfolios with a higher level of risk will invest more in assets that have greater potential for growth but can also fluctuate more in value. Lower-risk portfolios will typically hold more stable assets, although these may offer lower growth potential.
They can help ensure that investments are managed in a way that is consistent with a client’s objectives, attitude to risk and capacity for loss. However, the value of investments can go down as well as up, and investors may get back less than they originally invested.
Advanta Invest manages risk through defined portfolio mandates, diversified fund-based implementation, ongoing monitoring and governance oversight. Our experts work to targeted Dynamic Planner risk categories and performance and volatility management.
Portfolios are implemented primarily through diversified funds rather than individual securities. This supports diversification and helps ensure portfolios are managed within a consistent framework.
Yes. Advanta Invest Ltd is authorised and regulated by the Financial Conduct Authority.
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