Our ESG investment solution

Our TAM ESG service provides investors with a range of environmental, social & governance (ESG) investment portfolios designed to protect and grow their wealth in a socially responsible manner. TAM ESG clients can select an investment portfolio that most closely reflects their investment return objectives and attitude to risk. We offer five Defaqto risk-rated model portfolio options, ranging from more defensive lower risk returns, through to higher risk equity-based returns.

The TAM ESG Portfolios

ESG Defensive seeks to generate modest returns higher than cash in the bank over the medium term with potential for consistent though constrained capital growth. The portfolio has a more defensive approach to equity exposure compared to ESG Cautious - typically comprising of 15% equity and 85% non-equity - though weightings may deviate within set parameters, allowing our managers to react to market conditions.

ESG Cautious seeks to generate modest capital growth higher than bond based returns over the short to medium term by employing a more cautious investment strategy than ESG Balanced. The portfolio will have a modest approach to equity exposure - typically comprising of 35% equity and 65% non-equity - though weightings may deviate within set parameters, allowing our managers to react to market conditions.

ESG Balanced seeks to generate capital growth over the medium to longer term, with the aim of riding out short term fluctuations in value. The portfolio will have a more balanced approach to equity exposure compared to ESG Growth - typically comprising of 50% equity and 50% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.

ESG Growth seeks to generate higher capital growth over the medium to long-term by employing a more dynamic investment strategy. The portfolio will have a higher exposure to equities compared to ESG Balanced - typically comprising of 70% equity and 30% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.

ESG Adventurous seeks to generate strong capital growth over the longer term and can experience frequent and higher levels of volatility than ESG Growth. The portfolio will have a large exposure to equities - typically comprising of 85% equity and 15% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.

TAM Premier Risk Chart

The diagram is for illustrative purposes only. The value of investments, and the income from it, may go down as well as up and may fall below the amount initially invested. Weightings may deviate from these levels at the Investment Team's discretion whilst staying within specific guidelines, so the above asset allocation is intended as a guide only.


Key Advantages

Low cost
Access to professional discretionary management without incurring premium costs.

Pre-investment report
We produce a comprehensive report which clearly focuses on investment objectives, risk rating and asset allocation. This is provided to all clients before they invest with TAM.

A range of risk graded portfolios
The portfolios span the risk spectrum from a Defensive, lower risk grading, to an Adventurous grading with a higher equity content.

You can invest directly into the five portfolios, or use them as an underlying asset for a Pension, Trust or Bond.

TAM Platform
The portfolios run on our innovative platform, which allows instant valuations, performance information and asset exposure analysis.

We provide the highest levels of transparency for assets and costs in line with, and often exceeding, that required by the industry.

International investment and increased diversification
The service allows for a broadly diversified investment solutions including an international element in line with the risk profile selected.

Fast and simple application process
Once a professional adviser is registered with us, they can download customised client reports and efficiently open accounts.

What is ethical investing?

Ethical investing considers its impact on the wider world. It integrates a range of factors into its decision-making processes to ensure that no investment supports potentially damaging industries. Ethical investing pays attention to a range of issues such as climate change, water management, workplace management, ethical innovation, employee diversity, human rights and labour policies and practice. Ethical investing is not philanthropy, while it’s concerned with protecting society and the environment from further harm, its simultaneous goal is to build wealth.

Everyone's definition of 'ethical' is different and as such, so is everyone's idea of ethical investment. The same applies to fund managers that market their funds as ethical - not all will share the same views or adopt the same strategy for selecting stocks for their funds. Ethical investing has dramatically evolved over the years and today there is a wide variety of ethical investment styles available in the market, including positive and negative screening, impact investing and engagement, but perhaps the braodest, fastest-growing startegy is environmental, social & governance (ESG) investing.

Our approach to ethical investing

Our investment managers follow a rigorous process when selecting funds for the TAM ESG portfolios, conducting extensive research into the universe of socially responsible investments. This includes one-on-one meetings with fund managers followed by detailed desk-based analysis looking further into the fund’s investment process, portfolio positioning and performance. The team will only select a fund that has proven to deliver on its ethical mandate, adhering to their stringent and comprehensive investment process which screens stocks to ensure only companies with ethical business or activities are included.

There is a blend of ethical investment styles incorporated into our TAM ESG portfolios. We want to take full advantage of the  developments that have taken place in the ethical market in order to deliver a broader and more diverse ethical investment strategy. Our aim is to appeal to a wide range of socially investors and provide portfolios that best suit their ethical, as well as financial requirements.