In expert handsDiscretionary investment solutions

About Brooks Macdonald

We seek to build trusting relationships founded on the professionalism of our people, who are selected for their ability to relate to clients, analytical skills, outlook and drive. Our employees have allowed us to instil a culture that supports consistency and quality in every aspect of our business.

From our Channel Islands base, we work with clients around the world.

At Brooks Macdonald, our aim is to enhance our clients’ wealth through the provision of our investment solutions.

3

4

Discretionary investment solutions Our discretionary investment solutions allow you to delegate the day-to-day management of your investments to our team of experienced investment professionals. This means you do not need to make decisions about which investments to hold, or when to buy or sell assets. We take care of this for you, allowing us to react quickly to market conditions in line with your individual requirements.

We work closely with you to build an understanding of your priorities so that we can create a solution which works for you. We create strategies

which match individual goals and aspirations, tax status, investment timeframes and attitude to risk. You can also invest in multiple currencies and can access our solutions through various structures such as pensions, trusts and insurance policies.

Our discretionary investment services are suitable for both inexperienced investors who want to access a sophisticated investment management service and sophisticated investors who do not wish to manage their own investments.

5

Multi-asset solutions Our multi-asset solutions can invest in a wide range of investment vehicles and asset classes in order to match your objectives and attitude to risk.

You can access our discretionary multi-asset investment capabilities through our International Bespoke Portfolio Service and International Managed Portfolio Service.

International Managed Portfolio Service

Our International Managed Portfolio Service (International MPS) is a multi-asset investment solution which provides a choice of six risk-managed model portfolios. Each model portfolio is designed to suit different investment objectives associated with your attitude to risk.

The portfolios can invest in a wide range of investment vehicles and asset classes in order to meet the level of risk required. The models are available in sterling, euros and US dollars.

Our International MPS portfolios are managed by a dedicated team of investment managers, supported by our investment and asset allocation committees, and apply our centralised investment process. These investment managers will make investment decisions on your behalf, in line with your chosen investment strategy.

The International Managed Portfolio Service has been designed for professional advisers authorised to give financial advice, and who can recommend the most suitable portfolio for you.

At a glance

• Individually constructed portfolio

• Dedicated investment manager

• High degree of personal contact

• Active investment management

• Investment in your preferred currency

At a glance

• Portfolio reflecting your attitude to risk

• Investment in your preferred currency

• Access to the investment expertise and process offered to bespoke clients

• Comprehensive 24 hour online reporting

• Flexible contributions and withdrawals (quarterly, annually or ad-hoc)

International Bespoke Portfolio Service

Our International Bespoke Portfolio Service is designed to fit around your individual needs. We work closely with our clients and their professional advisers to understand their individual goals and aspirations. This allows us to create an individual investment portfolio constructed to meet your specific requirements, such as income or growth objectives, investment timeframes, tax status and attitude to risk.

Portfolios are managed by a dedicated investment manager operating within a team. Each team is led by one of our experienced investment team directors and supported by our investment and asset allocation committees.

Our investment managers place a key emphasis on active involvement with each client. This means there is a high degree of personal contact between you, your investment management team and your professional advisers. We offer to meet with you at least once a year or more frequently as required.

You are able to invest in a range of currencies, such as sterling, euros and US dollars.

6

Corporate Bond Strategy

Our Corporate Bond Strategy is a low-to-medium risk investment solution which invests directly in a diversified portfolio of corporate bonds. By understanding what you want to achieve, we can tailor the strategy to suit your attitude to risk and income or growth requirements.

The strategy may particularly suit you if you are looking for relatively low-risk, regular income or have a drawdown requirement, for example if you are thinking about retirement. However, clients looking for growth also have the option of reinvesting all or some of their income.

The portfolios can be denominated in sterling, euros or US dollars.

At a glance

• Income generation or retirement solution

• Alternative growth strategy through income reinvestment

• Alternative exposure to fixed income (many fixed income strategies have high weightings to banks or sovereign bonds)

• Some mitigation against moves in short-term interest rates

• Investment in your preferred currency

• High degree of personal contact with investment manager

• Lower-cost solution

At a glance

• Income generation solution

• Investment in your preferred currency

• High degree of personal contact with investment manager

• Lower-cost solution

Direct Equity Strategy

Our Direct Equity Strategy is a medium-to-high risk investment strategy which invests directly in a diversified portfolio of larger market capitalisation equities.

The strategy may particularly suit you if you are looking for an increasing stream of dividend income, combined with capital growth over the medium-to-long term. We look to invest in high quality stocks with sustainable, resilient and growing earnings in order to achieve this.

The portfolios can be denominated in sterling, euros or US dollars.

Single-strategy solutions Our single-strategy investment solutions invest directly in traditional asset classes, such as bonds and equities, in order to meet your risk requirements and income and growth objectives.

Strategic Income Strategy

Our Strategic Income strategy blends our corporate bond and direct equity strategies to provide investors with security, liquidity, growth and income.

The Strategy may particularly suit you if you are looking for a combination of low-risk, regular income and capital growth over the medium-to-long-term.

The portfolios can be denominated in sterling, euros or US dollars.

7

8

Fees Implicit in our ethos is our long-standing aim to take a clear, fair and honest approach to everything we do. This is reflected in our fees and charges.

Fees charged are based on a percentage of the value of each portfolio. This aligns the interests of the client and Brooks Macdonald over both the short and longer term.

For a detailed explanation of all fees, a ‘Fee Schedule’ document is available on request.

Monitoring your investmentsTo help you stay on top of your investments, we provide clear, comprehensive reporting.

We send quarterly valuation packs, detailing portfolio holdings, performance, transactions, income and capital statement and a market review and outlook from our Chief Investment Officer.

As well as this, you can access a full look through to your underlying portfolio online, 24 hours a day.

Additional services As well as our segregated services, we also offer pooled multi-asset or single-strategy investment solutions, which follow our centralised investment process but through a collective investment scheme.

For clients who wish to retain responsibility for their investment decisions and require safekeeping of their assets, we also offer a sophisticated dealing and custody service.

9

10

Contact us If you require further details, or wish to discuss our services, please do not hesitate to contact us by telephone, email or via our website.

Jersey Brooks Macdonald First Floor, Liberation House Castle Street St. HelierJerseyJE2 3ATT: +44 (0)1534 715 551E: jersey@brooksmacdonald.com

GuernseyBrooks Macdonald First Floor, Royal ChambersSt Julian’s AvenueSt. Peter PortGuernseyGY1 2HHT: +44 1481 815 555 E: guernsey@brooksmacdonald.comwww.brooksmacdonald.com

Next steps

Your investment profile - investment objectives, tax status and attitude to risk - will dictate the composition of your portfolio, and so it is important that we have a thorough understanding of your needs from the outset. If you have a professional adviser, this is something they may provide to us directly, or alternatively we can work with you to determine your investment profile.

We can arrange an initial introduction to the Brooks Macdonald investment management team, who will provide you with an investment proposal. This sets out how we would manage your portfolio so that it is consistent with your investment profile.

If you and your professional adviser are then satisfied that our solution is suitable for your needs, we will work with you to complete all relevant account opening forms and collect the documents necessary to meet regulatory requirements.

11

Important information

Prices and income will fluctuate and you may not get back your original investment. Past performance is not not a reliable indicator of future results. Changes in rates of exchange may have an adverse effect on the value of an investment. Changes in interest rates may impact the value of fixed interest investments held, and the value of your investment may be impacted if the issuers of underlying fixed interest holdings default, or market perception of their credit risk changes. There are additional risks associated with investments in emerging or developing markets. Tax treatment depends on your individual circumstances and may be subject to change in the future. Please note we are unable to give financial advice and suggest you speak to a professional adviser who is authorised to give financial advice before investing in the portfolios discussed in this brochure.

Brooks Macdonald is a trading name of Brooks Macdonald Group plc used by various companies in the Brooks Macdonald group of companies.

Brooks Macdonald Asset Management (International) Limited is licensed and regulated by the Guernsey Financial Services Commission. Its Jersey Branch is licensed and regulated by the Jersey Financial Services Commission. Brooks Macdonald Asset Management (International) Limited is an authorised Financial Services Provider, regulated by the South African Financial Sector Conduct Authority. Registered in Guernsey No 47575. Registered office: First Floor, Royal Chambers, St. Julian’s Avenue, St. Peter Port, Guernsey GY1 2HH.

More information about the Brooks Macdonald Group can be found at www.brooksmacdonald.com.

BMI/334.5/JAN20