REDGATE WEALTH
Our Services
Discretionary portfolio management
Discretionary portfolio managementDiscretionary portfolio management refers to the management of a portfolio composed of securities based on the investment mandate given by the client. We create a personalized investment strategy to achieve the client’s objectives, based on their risk tolerance, financial situation, and appropriate time horizon. We manage the assets on behalf of the client, using liquid and diversified instruments, aiming for returns that meet client’s expectations.
Dependent investment advisory
Dependent investment advisoryInvestment advisory refers to providing personal recommendations about securities-related transactions. The investment advisor gives advice on what investment decisions to make, which the client then approves. We create a personalized investment strategy to achieve the client’s objectives, based on their risk tolerance, financial situation, and appropriate time horizon.
Note! From 01.02.2025, no new contracts for investment advisory services will be concluded.
Securities transactions and safekeeping
Securities transactions and safekeepingDiscretionary portfolio management and investment advisory clients generally safekeep securities in a Redgate account. Clients who wish to trade securities themselves or subscribe to securities distributed through us are not required to safekeep securities on our account, but they may. Through us, clients can acquire various listed and unlisted securities, such as bonds, stocks, or fund units, and safekeep them in their Redgate account. At Redgate, your assets are securely held. We operate under a license issued by the Estonian Financial Supervision and Resolution Authority, and investments safekept at Redgate are protected by the Investor Protection Sectoral Fund up to 20,000 euros.
What do we mean by discretionary portfolio management?
We offer discretionary portfolio management services, during which the client authorizes us (via an investment mandate) to create an individual investment portfolio based on their preferences, objectives, and risk tolerance. Redgate’s investment strategies are developed by experienced professionals and are based on our long-term experience and detailed market analyses. Our strategies are continuously updated, taking into account market conditions and changes in the economic cycle. As a discretionary portfolio manager, we direct the client’s invested funds into suitable portfolio solutions.
We have a client-centered approach
Redgate creates a personalized investment strategy for the client to achieve their objectives, based on their risk tolerance, financial situation, and appropriate investment horizon. The strategy is continuously adjusted, taking into account changes in the global economy and the client’s needs and preferences. To do this, we ask the client to complete a comprehensive questionnaire, which we use as input for selecting the appropriate investment strategy. As part of the discretionary portfolio management service, the client gets a personal portfolio manager who ensures the implementation of the strategy. In addition, the client receives a comprehensive view of their asset management and regular market analyses and reports.
We offer discretionary portfolio management services for portfolios starting at 200,000 euros.
What do we mean by investment advisory?
We also offer dependent investment advisory services, during which we provide the client with personal investment recommendations and create an individual investment plan based on their preferences, goals, and risk tolerance. We continuously adjust our investment strategies according to market conditions and based on the prevailing economic cycle. As an investment advisor, we can only provide investment recommendations that suit the specific investor.
Note! From 01.02.2025, no new contracts for investment advisory services will be concluded.
Comparison of services
| Investment Advisory | Discretionary Portfolio Management | |
|---|---|---|
| Nature of the service | The client receives personal investment recommendations based on their financial situation, investment objectives, and risk tolerance. | The service involves the comprehensive management of the client’s securities portfolio based on the client’s mandate. |
| Legal definition | Securities Market Act § 43 (1) 5: Investment advisory means providing the client with personal recommendations regarding a specific transaction or investment decision. | Securities Market Act § 43 (1) 4: Discretionary portfolio management means managing a securities portfolio based on the client’s mandate. |
| Client involvement | The client makes the final decision on whether to execute the transaction based on the investment recommendations. | The investment firm makes portfolio management decisions on behalf of the client, without the client’s daily involvement. |
| Execution of transactions | The service provider gives recommendations, but the client has the final say on executing the transaction. | The service provider makes decisions and transactions on behalf of the client to manage the portfolio. |
| Suitability assessment | The investment advisor assesses the suitability of the recommendation, but the final decision rests with the client. | The service provider is responsible for ensuring the suitability and compliance of all transactions with the client’s investment profile during portfolio management. |
| Scope of responsibility | The responsibility is limited to the suitability and appropriateness of the given investment recommendations. | The responsibility includes decisions made in portfolio management. |
| Who is it suitable for? | For clients who wish to make their own decisions but need professional support for doing so. | For clients who wish to entrust their portfolio management entirely to professionals and do not want to be involved in the daily confirmation of transactions. |
| Convenience | The client must confirm all transaction orders themselves. | All transaction orders are given by the service provider. |
| Minimum portfolio size | 200,000 euros | 200,000 euros |
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