Shearwater

• Low cost - no dealing charges, low annual management charge.
• Flexible - stop and start contributions whenever you like, no hidden penalties.
• Affordable - start investing with as little as £100 per month.
• Liquid – withdrawal proceeds available within two weeks.

Time and again, studies have shown that investing in the stock market is one of the best long-term strategies to build up a sum of money. 

Shearwater Models

Shearwater is available for lump sums across GBP, USD, EUR and for regular savings in GBP.

The models are regularly reviewed, with consideration given to the prevailing macro-economic factors and market conditions. Any potential adjustments are considered from both an asset allocation and an asset-specific perspective. 

We continually monitor our models against a benchmark for performance. We use a relevant Private Client Index (PCI) from Asset Risk Consultants (ARC), an independent performance measurement company.

Shearwater ESG

Our Shearwater ESG model is moderate to high risk and is for those who are comfortable taking short term risks for the potential of long-term gains. It is available in GBP only and is for lump sums as well as regular savings.

ESG investing represents an approach to managing assets where investors explicitly acknowledge the relevance of the following factors in their investment decisions:

• Environmental – Factors that relate to the natural world e.g. climate change, pollution, deforestations.
• Social – Factors that affect the lives of humans e.g. human rights, modern slavery, child labour.
• Governance – Factors that involve issues inherent to the business model e.g. board diversity, executive pay, bribery and corruption.

This strategy is managed in line with our asset allocation for the Shearwater Adventurous model. However, it is for investors who believe that sustainability can have a material impact on companies’ performance. We seek collectives which offer exposure to the major asset classes but apply ESG practices such as negative and positive screening and impact investing.

Monthly Investing

Shearwater is also ideal for people who want to invest monthly without the necessity of investing a lump sum to start, and you can start with as little as £100 per month. It is excellent for first time investors looking to create wealth or sophisticated investors who want to invest monthly towards their retirement or other financial goals.