Investments

Five Noble Orders		The Stirling House Multi-Management Approach to Wealth Management
		Once an accurate assessment of your Attitude to Risk (ATR) has been established, appropriate investment options are considered by your IFA taking into account your tax status, all tax efficient allowances, IHT issues as well as Taxation and Trusts (if applicable). These options are from the Whole of the Market because your IFA is independent. However, your Stirling House IFA can also offer to advise on Whole of Market through Stirling House's own Fund of Funds. If you select this, this is how it works:- Stirling House divide your ATR into five main categories. Each of these five main ATR categories are named after the Five Noble Orders of Architecture. These are the Tuscan, Doric, Ionic, Corinthian and Composite representing risks Low, Low Medium, Medium, Medium High and High.

		The Stirling House Doric Fund opposite, for example, is a Whole of Market Low Medium Managed Fund of Funds. The fund itself is comprised of funds from many life companies and investment houses as well as cash and gilts. Clients' investments are continually being monitored and adjusted by our Discretionary Fund Manager who reports to the Company quarterly. Thus the fund is a dynamic, constantly changing fund within your ATR.
		Charges are expressed in terms of the Total Expense Ratio (TER) not just the Annual Management Charge (AMC). For example, some companies who operate a Multi-Management approach state their AMC to be 1.5%. However, their TER is typically 2.44% which means that you are actually paying away an additional cost of 0.94%. The Stirling House Doric Fund TER is 1.58% and the AMC is 0.75% both of which are significantly lower than the above charges. This means that you are paying away less for Multi-Fund Management with Stirling House compared to most companies.