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User Guide - O&M Systems

1. Investments Profiler User Guide v9 O InvestmentsProfiler Contents Jee e t den ES 2 Other Products amp Services From O amp M ccccscsscsscsccsccscsccsccscescsccsccscsscscescnscnccscoscssscescescesescescssoscescnsens 3 General Feature S iversen oieri EEES TNE RE EEE A 4 LOC ES ME 4 Changing Password amp Logging Out 4 ALEE ETE SS AE E AEE A N E E TEE EA A E E E E A E A A EA 5 OPONSE E 5 FFA MID E 5 FIOMIC e TT 6 SEIN AVE AION r E E T eae ldavanes vobaanep E E emeaneens E E AO 6 DASH OOAI GO orrien en E EEEE E E E E 7 PUTS CU aTe EE 7 Vew DIRADO DE 7 Maot e Da nDO EE 7 Man Ee ah E rE E E E E N aan E AE E E E E E 8 Hie Le 8 Le a PAREI A AA A E AEA snes I AA A EA T EI E E EE E A E 9 HAVEN CAC de EE 9 Fund Research 9 Fa DENDO I O WE 12 Funa vs FUMO WE 13 POS CONDO O e E E E E 14 Leier E 15 Portfolios and Composite Benchmarks sacssscinnsisaccsncsesssencdaesenecmoessantiwoersansancsasaleacseaseavdeoossansabeabswsiansdevatsanoassannsbearsancatees 15 Belag ONOI ADO a E E E 25 POON PORO e GE 26 Por tolo COMPAT OT WE 27 Rebalancing a PONTONO E 28 P E 29 CHEN arr EA E E E E 30 POU de E 30 DT el 30 P e E E E E inne tenes zoananaceui E E 41 REDOT S r E E E E E 42 System Wide E e 43 POr DE CN E 43 Kielen EE 43 ENEE EE 44 GNSS ANY EE 45 O amp M Systems Page 1 Contents UODODBOIUI Investments Profiler User Guide v9 O I t tsProfil nvestmentsrrornier Introduction Investments Profiler is
2. Investment Sector None Selected v l Morningstar Quantitative None Selected KA l Morningstar Analyst None Selected vj OBSR Qualitative None Selected Gel Alpha 3 Years 3 Volatility 3 Years The maximum number of funds which can be displayed in the search area is 500 If your search returns more than 500 results then a warning message wi II be Your search would bring back 796 results for optimum performance we limit searches to 500 results Please adjust your criteria and try again displayed and no results will appear In order to reduce the number of funds returned you will need to apply further criteria The system is set up with a default set of search filters however if you gt Filters e would like to add or remove filters then click Change Filters A list of v Change Filters additional filters will be displayed To include a filter click on the filter name Alpha 1 Year a and a green tick will appear Once you have made your selection click on Filters You will now be able to use these in your search criteria Filters appear in the order in which they are added Alpha 5 Years AMC Beta 1 Year O amp M Systems Page 9 Research udieasoy Investments Profiler User Guide v9 OG InvestmentsProfiler You can save search criteria previously applied and also load a saved search by clicking on the save icon OBM Systems w
3. Dashboards and Load Existing Dashboard This will display a list of previously 2a we saved Dashboards to choose from eeng 19 2 Equity Fund Insider Fixed Interest Fund Insider Performance and Risk gt Save Current Dashboard Fund vs Fund Two funds can be compared directly against each other by using the 1 Dt NN Fund vs Fund tool Select the two funds you want to compare in the Home Funds Search search results by holding down the Ctrl key and clicking the two funds f Fund v2 Fund T Faris Come The Fund vs Fund button will become available The system will compare the two funds and display a number of panels JS OGM Systems NN RENEE dns Jon Bunkell Home Funds Search Fund vs Fund Messages 1 O Options O Help O Online Fund Info e Print v Fund vs Fund Key Facts gt Key Facts Asset Allocation v Asset Allocation Equity Sectors Fixed Income Credit Cavendish Worldwide Retail Jupiter Merlin Growth Portfolio Acc Quality Breakdown Discrete Returns Comparison Fixed Interest 0 3 Cumulative Returns Equity 80 98 Comparison Other 13 8 Risk Reward Comparison Fixed Interest 1 1 Equity 75 4 Cash 10 5 Cash 17 92 As At 31 01 2012 As At 31 01 2012 L gt Equity Sectors 3 gt Fixed Income Credit Quality Breakdown v Discrete Returns Comparison Cavendish Worldwide Retail v Jupiter Merlin Growth Portfolio Acc 40 0 31 9 30 0 19 9 19 5 20 0 10 0 0 0 10 0 5 6
4. v Risk Level 1 Demo Portfolio Details Reference Risk Level 1 Demo Comments Benchmark FTSE AllSh TR GBP e Portfolio Status Current Adviser Firstname Lastname e Next Review 30 05 2012 e To edit a holding select the desired holding and click Edit in the top right of the panel To remove a holding click on the red cross to the right of the holding v Asset Allocations Add Or Edit Target Asset Allocations Tier 1 Tier 2 Tier 3 Allocation z v X 0 00 Add Allocation Asset Allocations Selected Fixed Interest Any 50 00 x Equity Any 25 00 x Cash Any 25 00 x New holdings can be added by clicking Add in the top right of the holdings panel The Fund Research screen will be displayed TE io tome EE ENN Sech Options O Help D Contact Us O zi Ratings R Cumulative z Standardised 5 3 Annualised Discre te d Platform Universe Overview and Fund Fund Risk Measures Sege Ab Performance Performance Availability OEICs and Unit Trusts Charges Performance Performance v Filters Morningstar Equit A lised uiy Annualise K Fund Name Sector Quantitative cho Share Class Type Content J 5 Years Rating Primary Share Class Gel Investment Sector None Selected z Morningstar Quantitative None Selected Gel You can search for a specific fund via the text search function or apply criteria via the fund filters The text search can look up sector
5. To edit a holding select the desired holding and click Edit in the top right of the panel To remove a holding click on the red cross to the right of the holding v Asset Allocations Add Or Edit Target Asset Allocations Tier 1 Tier 2 Asset Allocations Selected Fixed Interest Tier 3 Allocation 0 00 Add Allocation Suua1 Any 50 00 x Equity Any 25 00 x Cash Any 25 00 x Total Value 100 00 To add a fund to the portfolio click Add Fund in the top right of the panel The Fund Research area will be shown O amp M Systems Home Portfolio se Louise s por E 09 13 Y Home Portfolio Search Portfolio Funds Search Options O HelpO Contact Us O zi Ratings Cumulative 3 Standardised s Annualised Discrete Platform Universe Overview and Fund Fund Risk Measures Performance Performance OEICs and Unit Trusts Charges Performance Performance Availability v Filters Morningstar Equit a lised nn Sector Quantitative ToT TEE Content 5 Years K Fund Name Share Ces ee Rating Primary Share Class v Investment Sector None Selected z Morningstar Quantitative None Selected Gel You can search for a specific fund via the text search function or apply criteria via the fund filters The text search can look up sector name manager name fund name and ISIN number Once you have entered your text in the search box or selected your criteria click the search
6. 0 00 Add A Asset Allocations Selected Use the drop down boxes to select an asset class There are three tiers of asset class and you can choose to be more specific within each class if appropriate E g Equity in the first tier UK Equity in the second tier Small Mid or Large Cap in the third tier Input the percentage of the portfolio that this applies to and click Add Allocation v Asset Allocations Add Or Edit Target Asset Allocations Tier 1 Tier 2 Tier 3 Allocation Fixed Interest zs Global Fixed Interest v Any v 40 00 Add Allocation Asset Allocations Selected Cash Any 10 00 x Equity UK Equity Any 25 00 Equity Overseas Equity North American Equity 25 00 D Fixed Interest Global Fixed Interest Any 40 00 x Total Value 100 00 When 100 has been allocated you can rotate the table by clicking the two opposing arrows in the top right of the asset allocation table Your target asset allocation pie chart will be displayed on the left Your current asset allocation pie chart will appear on the right The current asset allocation chart will show in black until you add existing holdings Once existing holdings have been added you will be able to compare current with target asset allocation as shown below Page 32 Systems Investments Profiler User Guide v9 OG InvestmentsProfiler r Home Portfolio Risk Level 1 Demo Messages 1 O0 Options O Help O Research Funds View Portfolio in Portfo
7. 12 2 20 0 30 0 2007 2008 2009 2010 2011 E Cavendish Worldwide Retsil i Jupiter Merlin Growth Portfolio Acc KE vv WS wm we At W I wn a Pa ee ee mm Done Internet Protected Mode Off fv 100 e Don Systems Page 13 Research udieasoy Investments Profiler User Guide v9 O InvestmentsProfiler Funds Comparison Any number of the funds can be compared directly against each other by using the Funds Comparison tool In addition you can add in sector averages and a number of Benchmarks including Composite Benchmarks Select the fund s you want to compare in the search results Home Funds Search My Pinned Funds 3 Matches 3 S by holding down the Ctrl key and clicking the fund s The Funds Comparison gt Prin Funds Comparison button will become available C 0GM Systems SECHER is con Jon Bunkell 13 03 2012 e Home Funds Search Funds Comparison 3 Funds Messages 1 O Options O Help O r Online amp Print v Funds Comparison SE v Cumulative Returns E Risk Reward 40 aJ Discrete Returns 1 Aug 2008 Threadneedle Global Eq Ret 1 Aug 2008 Jupiter Merlin Growth Portfolio Acc O Jupiter Merlin Growth Portfolio Acc V OeCavendish Worldwide Retail OeThreadneedie Global Eq Ret 0 2 Aug 2008 V Cavendish Worldwide Retail s e KE o o o o o o o o o o ee ee ee ee ee ee eo o o o o o o ee anl p Go KI AN KE VK UK EV ean 3 svR ovau Sa 3 svn ovs olen SH 2 ga
8. GBO0031845141 OEICs and Unit Trusts Balanced Managed Growth 10 0 i Jupiter Merlin Balanced Portfolio Inc GBO0031910754 OEICs and Unit Trusts Balanced Managed Income S 5 0 Li 3 3 hd 4 gt 0 0 gt Change Filters Clear Unpinned Ke Rated Fund Lists You can save the funds returned by a search as a Fund List for future use Multiple lists can be saved and named To save a Fund List click the save disk icon in the search box To load a single Fund List click the save icon and select your desired Fund List To load the results from multiple Fund Lists use the Fund List filter Favourite Funds If you have funds that you would to like access quickly or regularly you can save them as Favourite Funds Funds can be marked as favourites by right clicking the TE fund directly from the search results and selecting Add to Favourites You can SH also add Favourite Funds by clicking the star icon in the top left of the Fund Info _None Selected screen Fund List To view your Favourite Funds select My Favourite Funds from the Fund List Cl My Favourite Funds filter and click the search button Your Favourite Funds can also be accessed via your recent fund list Don Systems Page 11 Research udieasoy Investments Profiler User Guide v9 Pinning Pinning allows you to keep funds returned by a search in the results grid whilst carrying
9. Key Facts Cumulative Returns Manager Details ISIN GB0031845141 25 John Chatfeild Roberts a IMA Sector Mixed Investment 40 20 Start Date 01 03 2003 85 Shares 15 Benchmark FTSE APCIMS Balanced 10 Biography TR 5 John Chatfeild Roberts joined Jupiter in March 2001 Share Type Growth 0 and he was appointed Chief Investment Officer of 12 Month Dividend Yield 2 23 5 Jupiter Asset Management in February 201 Initial Charge 5 25 10 established the award winning Jupiter Merlin fund of MC 1 5 15 funds team in which he jointly manages the Jupiter TER 2 41 20 Merlin Portfoli th Peter Lawery and Algy Smith Latest Bid Price 1 0898 at 12 01 2012 25 M H who both came with him from La RAAS 7 2 2 2 2 Fund Size 1 2bn at 31 12 2011 TONERE SR ees SRA SS Man ent John is also Lead Manager of the Launch Date 01 10 2002 Oe Fund ete Sector Avg Jupiter Global Managed Fund Unit Trust John a nained a denres in Ecanamice fram Murha m Net Asset Allocation Fund Ratings Volatility and KIID Rating Qualitati 3 Year 3 Year Total OBSR Volatility Return z AAA Morningstar Analyst Not Rated A Fixed Interest H Fund Se 32 4 Quantitative Sector 12 5 28 1 Other Morningstar Overall kkk kK Morningstar 3 Yr KEEN Ee e Equity Morningstar 5 Yr Sa a a ad UCITS KIID SRRI Rating Data is unavailable for this fund Cash Morningstar 10 Yr Not Rated You can add or remove panels of information Fund Dashboard including only the information y
10. Portfolio Info Portfolio Dashboard Portfolio Results This report prints the details currently displayed for Portfolio Search Results the portfolio search results Portfolio Summary This report is designed to provide a portfolio Portfolio Search Results summary It includes portfolio breakdown Portfolio Info performance and volatility Client Info Portfolio Dashboard Rebalancing This report provides a comparison of the asset Portfolio Search Results allocation of the current portfolio with the target Portfolio Info asset allocation Portfolio Dashboard Client Info Page 42 Systems Investments Profiler User Guide v9 O InvestmentsProfiler System Wide Features Exporting Charts All charts produced in Investments Profiler can be exported and saved as an image which can be used in other documents To export a chart expand the panel you wish to export by clicking the magnifying glass in the top right of the panel Cumulative Returns 75 20 15 4 10 ate PM PO a fk AM Click the Export Chart button at the bottom of the expanded panel A dialogue box is displayed allowing you to save the chart as an image to a location of your choice Once saved the image can be inserted into other programmes More Info Jupiter Merlin Balanced Portfolio Acc Cumulative Returns Jupiter Merlin Balanced Portfolio Acc 20 15 10 echo Laf lt 5 10 15 20 25 2007 2008 2009 20
11. Portfolio in Portfolio Search amp Print e Delete v Asset Allocations Target Asset Allocations OSG Target and Current Variance IER 3 2 Fixed Interest 50 1 3 5 o Fixed Interest 50 50 H a v 1 H ER z g E 4 g 2 F 3 4 2 Cash 25 mg Equity 25 5 Cash Other Equity Fixed Interest Asset v Holdings PETE FETE To view or edit the target asset allocation click Edit in the top right of the target asset allocation chart on the left Don Systems Page 19 Research udieasoy Investments Profiler User Guide v9 OG InvestmentsProfiler To input holdings click on holdings sl ara Fund Investment Percentage Name Status m To add a fund to the portfolio click Add Fund in the top right of the panel The Fund Research area will be shown S OGMSystems TTT TTT i Louise Gilmour as v Home Funds Search Messages 2 OD Options O Help O gt Online Ratings and Annualised Cumulative Discrete Standardised Platform Charges Performance Performance Performance Performance Baiediegereeeg Availability v Filters Universe a x Fund Name ISIN Code Universe Investment Sector Income Status Primary Share C None Selected Vv Share Class Type All Share Classes x Investment Sector None Selected 7 Morningstar Quantitative None Selected DR Morningstar Analyst None Selected DR OBSR Qualitative None Selected Alpha 3 Years
12. a given region are large caps the next 15 are mid caps and the bottom 80 are small caps Minimum Initial Investment This is the minimum lump sum investment that can be made into a fund to open an account The data represents the minimum amount if purchasing units of the fund directly from the fund company If units are purchased via a third party such as a Wrap or Fund Supermarket then the minimum investment may be different Minimum Monthly Savings This is the minimum amount that can be invested in the fund via monthly savings If units are purchased via a third party such as a Wrap or Fund Supermarket then the minimum investment may be different Modern Portfolio Theory MPT Refers to the body of innovations in portfolio management from the 1950s The central plank of MPT is the concept of diversification the fact that a well chosen group of assets can achieve a higher rate of return with a lower level of risk than any asset taken in isolation Another important concept is that of Market Risk A fund s risk can be split into two parts on the one hand variations due to movements in the stock market as a whole described by Beta on the other hand variations independent of broad market movements specific risk Aloha Beta R squared Correlation Volatility are statistics usually associated with MPT Page 58 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Morningstar Analyst Ratings for funds This
13. an asset type in a fund represents the percentage of overall fund assets that the fund manager has invested in holdings that will increase in value when the underlying asset increases in value Example of long positions include investing in shares of a company or investing in GILTS M Management Fee See Annual Management Charge Manager of Manager In a manager of manager fund different managers are responsible for different aspects of the investment strategy for the fund For example one fund manager may be responsible for the overall asset allocation strategy another may be responsible for picking equities for the fund and another may be responsible for picking fixed interest holdings for the fund Also Known As Multi Manager Systems Page 57 Asesso 9 Investments Profiler User Guide v9 O InvestmentsProfiler Manager Since The date at which the fund manager became responsible for managing a fund s portfolio Also Known As Manager Tenure Manager Start Date Maturity Bond Maturity is the length of time remaining until the date the bond issuer has agreed to pay back the amount lent Max Drawdown This represents the worst possible return over the time period stated This is the return the investor would have got if they had invested at the highest fund price and sold at the lowest Mid Cap A determination of large mid or small cap is made by separating all of the stocks into 10 global regions The largest 5 in
14. and use it in your fund and portfolio comparison areas Page 36 systems Investments Profiler User Guide v9 O InvestmentsProfiler Using a Model Portfolio with a Client There are various options when using a Model Portfolio for a client You can use the model facility in the client portfolio area you could import target Asset Allocation the Holdings or both or you can add the portfolio to the client from the Portfolio Area To use the model facility open the client portfolio or create a new one Click the Model drop down list in the Portfolio details panel This will provide a list of Model Portfolios for you to choose from Messages 1 0 Options O Help O Research Funds View Portfolio in Portfolio Search Delete v MrT Raining Portfolio Portfolio Details Portfolio Info Portfolio Details Asset Allocations Holdings Reference Mr T Raining Portfolio SE Model Not Selected Benchmark 3 Risk Profile E Portfolio Status Adventurous Portfolio All Assets Next Review Asset Allocation 1 lue BEDOUS ION i Asset Allocation 2 Asset Allocation 4 Asset Allocation 5 Se eee eS Select the portfolio you wish You will then be given the option to import asset allocations holdings or both from the model portfolio Once imported you can edit the items accordingly Model Portfolio Options You have opted to specify a Model Portfolio as the basis for this Client Portfolio Please selec
15. confirm after each edit The edit function also allows you to set the status of a fund to proposed current or previous Holdings other than funds can be added by clicking Actions in the top right of the holdings panel and selecting Add Other Holding Import Holdings From Clear All Add Other Holding The holding section of the portfolio is displayed allowing you to input additional holding information Holdings Date 09 12 11 03 16 PM Name lt Ney gt Asset Type 7 Percentage 0 00 Current Price Pence 0 000 Investment Status l Current kad To remove a holding from the portfolio click the red cross to the right of the holding Additional Portfolio Actions A number of additional Actions are available from the target asset allocation and holding panels Import Holdings from Import Holdings and Percentages from Clear All Switch Add Other Holding View Fund Dashboard Research All Funds Create Composite Benchmark from Sector Averages Create Composite Benchmark from Sector Averages rescaled to 100 Importing From Another Portfolio Or Client Target asset allocation and current holdings can be imported to a model portfolio from another model or client portfolio systems Page 21 Research udieasoy Investments Profiler User Guide v9 O I t tsProfil nvestmentsrrorTiier To import target asset allocation or holdings click Actions in the relevant panel Import Holdings From and select C
16. heading To display the arrow simply move your mouse to the column heading Don Page 10 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Quickview You can view panels of information for a selected fund using the Quickview facility Click on the fund to select it and click on the grip on the right of the screen Two panels will appear displaying information on the highlighted fund You can use the drop down boxes to select the panels you would like to view Once you have made your selection you can choose any fund from the search results and the panels will remain in place until you click on the grip to hide them S OGM Systems a a ge REN lt Ge T Home Funds s Search B31 Matches Messages 2 0 Options O Help O Online Fund Info Add Fund To Portfolio WE Print v Quick View P ad Gen Ratings and Annualised Cumulative Discrete Standardised DEn Platform gt X e Lem sehen Charges Performance Performance Performance Performance See Availability LZ Net Asset Allocation Pi v Filters CO K 7 a E Universe Fund Name ISIN Code Universe Investment Sector Income OEICs and Unit Trusts pas Share Class Type wn Aviva Investors FoF Balanced SC2 GBOOBiNS4041 OEICs and Unit Trusts Balanced Managed Growth Gand Interest All Share Classes v AXA Framlington Managed Balanced Acc GB0003509659 OEICs and Unit Trusts Balanced Managed Growth Other AXA Framlington Manag
17. icon Select the funds you want to add to the portfolio multiple funds can EE be selected by holding down the ctrl key and click Add Fund To Portfolio You can save search criteria previously applied and also load a saved search by clicking on the save icon Add Fund To Portfolio The currently open portfolios are displayed Select the portfolio you want to add the funds to Current Open Portfolios HE Select the portfolio you d like to add the fundis to below Portfolios Training Portfolio Page 38 Systems Investments Profiler User Guide v9 O InvestmentsProfiler After selecting the portfolio the holdings section of the Portfolio is displayed allowing you to input the percentage you would like to allocate to the funds Y Holdings Date 09 12 11 03 10 PM Name Percentage 0 00 Current Price Pence Investment Status Current del Holdings Switch If you are considering switching out of a holding and want to research it against other potential holdings click Actions and Switch The Fund Research screen will be displayed and the fund you are considering replacing will be pinned to the top of the list You can then research alternatives and compare your shortlisted funds against the existing fund Select the funds you want to add to the portfolio multiple funds can be selected by holding down the Ctrl key and click Add Fund To Portfolio You can set the status of the new funds as Proposed until you ha
18. makes extensive use of unconventional investment tools such as derivatives High Yield Bond Corporate debt with a relatively high risk of default Also Known As a junk bond High Yield Fund A bond fund investing primarily in securities with lower investment grade or junk ratings Inception Date See Launch Date Income Status See Fund Type Index A collection of securities chosen to attempt to represent a specific investment area Common ones include the Dow Jones Industrial Average the S amp P 500 and the FTSE 100 Many funds choose to benchmark themselves against an index as a performance measure Index fund A fund that tracks a particular index and attempts to match the returns of that index The fund manager typically studies the index s movements to ensure the fund s securities are representative of the index with the sectors matched proportionally Also Known As Tracker Fund Information Ratio This statistic is commonly used to measure a fund manager s skill against the benchmark The out underperformance of the fund relative to its peer group is divided by the tracking error Therefore anything positive is above average and anything negative is below average The larger the number the better the manager s past performance compared to the benchmark systems Page 55 Glossary esso Investments Profiler User Guide v9 O InvestmentsProfiler Initial Charge The fee payable to a management company upon
19. name manager name fund name and ISIN number Once you have entered your text in the search box or selected your criteria click the search icon Select the funds you want to add to the portfolio multiple funds can be selected by holding down the ctrl key and click Add Fund To Portfolio You can save search criteria previously applied and also load a saved search by clicking on the save icon Don Systems Page 23 Research udieasay Investments Profiler User Guide v9 O I t tsProfil nvestmentsrroriier To add the selected fund or funds to a portfolio click the Add Fund To Options D Help Contact Us O Portfolio button Add Fund To Portfolio e Current Open Portfolios The currently open portfolios are displayed Select the Select the portfolio you d like to add the fundis to below portfolio you want to add the funds to Portfolios Training Portfolio After selecting the portfolio the holdings section of the Portfolio is displayed allowing you to input the percentage you would like to allocate to the funds v Holdings Date 09 12 11 03 10 PM Name Percentage 0 00 Current Price Pence Investment Status Current v Holdings Switch If you are considering switching out of a holding and want to research it against other potential holdings click Actions and Switch The Fund Research screen will be displayed and the fund you are considering replacing will be pinned to the top of the list You ca
20. the purchase of units to pay for administration marketing of the fund and commission to the adviser where applicable Also Known As Front Load Institutional Investors A generic term for an organisation that invests large sums of money often other people s savings in securities and funds Examples of institutional investors include pension funds insurance companies investment companies and endowment funds Institutional investors are covered by fewer protective regulations because it is assumed that they are more knowledgeable and better able to protect themselves They account for a majority of overall volume traded and the value of shares held Investment Strategy See Fund Objective IMA Sector The Investment Management Association IMA is the trade body that represents the groups which run OEICs and Unit Trusts Each fund that is a member of the IMA is assigned a sector based on the investments it holds Funds in the same sector will often hold similar investments and have similar objectives Investment Trust A collective investment that invests in shares of companies or fixed income securities Its own share price does not necessarily reflect the value of its assets When the net asset value NAV per share exceeds the share price it is trading at a discount and when the NAV share falls below the share price it is trading at a premium Also Known As Close Ended Fund ISIN Pronounced Eye Sin International
21. to IFAs This service appeals to two types of IFA firms e IFAs who advise on the occasional final salary transfer and cannot justify the rental of the Transvas Profiler software e Transfer specialists advising regularly on final salary transfers who prefer to let O amp M s experienced staff gather the scheme information from trustees For further information regarding any of O amp M s products or services please contact our sales department on 0845 490 1155 or visit www omsystems co uk O amp M Systems Page 3 Other Products amp Services From O amp M SoJNJeV4 EADVUDD Investments Profiler User Guide v9 O I t tsProfil nvestmentsrroriier General Features Logging In First Time You will have been sent a welcome email which includes a temporary password required to access the system When you first login you will be prompted to change this Before accessing the system for the first time you will need to accept the terms and conditions of the application and allow some local storage space on your computer This is needed to deliver content in an efficient way and enhance your experience of the software Subsequent Times Enter your username and password in the boxes provided and click ok Username Fi Remember me on this computer Forgotten Password Powered by Morningstar data If you have forgotten your password click the Forgotten Password link You will be sent a temporary password and prompted to chan
22. to see To do this click on Manage Contents The screen will rotate and provide a list of panels to include or remove Panels currently included will show a green tick on the right of the panel name When you hover over an item on the list a preview of the panel will appear helping you to decide if you would like to include it To include a panel in your Dashboard click on the panel name The panel sizes can also be changed Panels can be reordered by dragging them to your preferred location on the screen Ze O amp M Systems e nome 2 EE 06 Y Home Dashboards Default Modified Messages 1 O Options O Help O Manage Dashboards Print v Dashboard Select the panels to add to your dashboard from the list below You can remove panels from the dashboard itself by clicking the close icon of each panel When finished click the rotate button to show the dashboard gt Client Panels Reference Genera ted Report v Portfolio Panels gt My Saved Portfolio Searches gt Fund Panels gt Message Panels To remove a panel click on the small X in the top right corner of the panel You can zoom into a panel by clicking the magnifying glass in the top right of the panel which will provide more information The selected panel can then be printed in isolation Portfolio Reports Reference Generated Report Mr E Client Risk Level 3 eee 30 11 2011 Rebalancing Report Reports To view the re
23. where there has been a change of fund manager or the rating of the fund has changed The FSA requires firms to analyse client and adviser Management Information MI to ensure they re meeting their service standards and TCF requirements The Dashboard can be set up to produce MI for users The user can print or save the Dashboard and view it regularly to show that MI is being monitored MI includes rebalancing portfolios acting on alerts or carrying out regular reviews View Dashboard To view your Dashboard click Dashboard in the home screen then View Dashboard When you first use the system you will be provided with a default view which you can amend to suit your needs Each time you subsequently access your Dashboard it will appear as per your last session SEA OO DE EE E P i oly Favorites Profiler in JS 0GM systems weem ies Louise Gilmour t Home Dashboard My Clients MI Messages 1 O OptionsO Help O Online Manage Dashboards v amp Print e Client Summary J Client Age Profile IAL Popular Funds z 3 Portfolios Total Assets a Name Value Review Date 8 Fund Name 8 Used In Held Aberdeen Global Emerging f 7 E Mrs Lara Croft 987 415 00 06 11 2012 ar oe 1 987 415 00 6 e gt Mr Steve Jones 555 200 00 03 05 2012 q omg Bert Deena eens 555 200 00 H Mr John Smith 450 048 49 15 02 2012 RH a 4 432 224 56 Managed 3 Pen 3 Miss E Elliott 229 289 41 15 08 2012 k 2 SWIP Corporate Bond P
24. 10 2011 2012 sm e Jupiter Merlin Balanced Portfolio Acc Mixed Investment 40 35 Shares As At 31 01 2012 O amp M Systems Past performance is no guarantee of future performance and the value and income derived from investments can go down as well as up Print Export Graph OK Recent Items gt Dashboard The system allows you to quickly access recently viewed or pinned Research Fund Research funds and clients from the home screen Model Portfolios v Recent Aberdeen Multi Mgr Constellation R Acc L amp G Pen PMC Oversea Consensus Index Marlborough Special Situations Stan Life Property 6 Pen Stan Life Property 7 Pen FPIL Student Accomodation Aviva Global Managed 1 12 Pen L amp G Pen PMC Global Emerging Market Index an L amp G Global Emerging Markets Index I Acc E an L amp G Global Emerging Markets Index R Acc As you use the system the lists automatically update LC LC LU Ge Ge Ge Ge Ge gt Clients systems Page 43 System Wide Features Sainjzea4 PIM Wia3sAs Investments Profiler User Guide v9 O I t tsProfil nvestmentsrrorTier Chart Source Data It is possible to view the underlying data for charts that combine data from a range of sources For example asset allocation of a portfolio is made up of the asset allocation of the underlying funds To view source data move your mouse to the area of the chart you wish to view the data for and
25. 5 02 07 2012 0 00 1 06 100 00 Model Current Louise Gilmour Test Portfolio 12 04 2012 0 00 4 27 100 00 Model Current Louise Gilmour Status Training 01 12 2012 0 00 9 57 100 00 Model Current Louise Gilmour None Selected zj i Clear Unpinned You can quickly find a Model Portfolio or Benchmark by entering text into the search box or applying various filters and clicking the search icon This area of Pu the system also allows you to view and edit Client Portfolios V Filters e Adviser Louise Gilmour DR Next Review Date You can also load or save a Manage Searches x v Save The Current Search search by clicking on the save icon Mot Selected T B Save the current grid layout with this search Benchmark None Selected Save gt Load A Saved Search Type Model 9 Status None Selected mal O amp M O Systems Page 15 Research udieasoy Investments Profiler User Guide v9 OG InvestmentsProfiler nome ae You can sort the results by clicking the column heading A Home Portfolio Search 56 Matches small arrow in the column heading indicates which column Create New Portfolio Print the results are sorted by E D Reference Universe d new OEICs and Unit Trusts pa new OEICs and Unit Trusts i new Quickview a new You can view panels of information for a selected portfolio using the Quickview facility Click on the portfol
26. Cumulative Discrete Standardised ER Platform eam Charges Performance Performance Performance Performance BEE Availability v Filters l 7 a 8 7 Uulverss Fund Name ISIN Code Universe Investment Sector Income Status Primary Share C None Selected z Share Class Type All Share Classes Investment Sector None Selected DR Morningstar Quantitative None Selected CH 4 Morningstar Analyst None Selected DR OBSR Qualitative None Selected v Alpha 3 Years jaa 3 3 k b Clear Unpinned gt Change Filters You can search for a specific fund via the text search function or apply criteria via the fund filters The text search can look up sector name manager name fund name and ISIN number Once you have entered your text in the search box or selected your criteria click the search icon Select the funds you want to add to the portfolio multiple funds can be selected by holding down the ctrl key and click Add Fund To Portfolio You can save search criteria previously applied and also load a saved search by clicking on the save icon Options D Heip O Contact Us O Add Fund To Portfolio e The currently open portfolios are displayed Select the Current Open Portfolios portfolio you want to add the fund to Select the portfolio you d like to add the fundis to below Portfolios Training Portfolio Don Page 34 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Afte
27. Emerging Europe Proportion of portfolio invested in the countries that were formerly part of the Eastern bloc such as Poland the Czech Republic Russia amp Latvia Emerging Market The financial markets of a developing country Some consider this a higher risk investment sector because of potential political and economic instability short investment history and illiquidity Energy Proportion of portfolio invested in companies operating in areas such as oil and natural gas services Some examples of companies in this sector include BP Royal Dutch Shell Pennzoil and Total Fina Equity Equity is a unit of ownership in a company and is sometimes called stocks or share When you buy equity you become a business owner and the value of your ownership stake will rise and fall according to the success of the underlying business Also Known As Stock Share Equity Fund A fund investing primarily in equities It can be based on any number of investment strategies Page 50 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Equity Region This is the percentage of the equity holdings of a fund invested in each of the following twelve world regions e Asia Emerging e Asia Developed e Australasia e Japan e Africa Middle East e Europe Emerging e Europe ex Euro e Eurozone e United Kingdom e Latin America e Canada e United States Equity Sectors Equity sectors are a way of classifying
28. Profiler Not to be confused with Investment Bond An investment and insurance product Savings Bond A fixed term savings account Bond Credit Quality See Fixed Income Credit Quality Bond Funds A portfolio which invests mainly in bonds with the aim of providing a steady stream of income to investors The value of bond funds tends to be inversely linked to interest rate changes Bull Market Market is on an upward motion driven by the Bulls the market optimists the opposite to the bears Often driven by positive economic news and strong earnings figures from major firms Buy and Hold Strategy A method of investment which involves purchasing shares and keeping them for a relatively long period By definition it entails a low turnover The opposite technique is sometimes known as a trading strategy C CAR Compound Annualised Rate of Return Glossary See Annualised Fund Performance Closed Ended Funds Closed ended funds such as investment trusts are divided into a finite number of shares The shares trade on the London Stock Exchange with prices rising or falling based on investor sentiment Investors buy shares at a Premium to NAV or a Discount to NAV of the net asset value NAV of the fund Also See Investment Trust Collective Investment See Mutual Fund Commission This has a number of meanings but the two likely ones are the charge levied by a broker for buying or selling shares on your behalf The fe
29. Research All Funds Create Composite Benchmark from Sector Averages Create Composite Benchmark from Sector Averages rescaled to 100 Importing From Another Portfolio Or Client Target asset allocation and current holdings can be imported to aclient portfolio from a model or another client portfolio systems Page 35 Clients sjual gt Investments Profiler User Guide v9 O I t tsProfil nvestmentsrrorTier To import target asset allocation or holdings click Actions in the relevant panel Import Holdings From and select Client or Model A list of portfolios will be displayed Select the portfolio you wish to import from and the target asset allocation or holdings will be added The imported target asset allocation or holdings can then be edited accordingly Clear All Allows you to remove all target asset classes or holdings from the selected panel Switch Places the currently selected fund holdings into the fund search results table to allow further analysis research or comparisons Add Other Holding See Create New Portfolio section View Fund Info Quickly access the fund dashboard for the selected fund Research All Funds Places all of the fund holdings into the fund search results table to allow further analysis research or comparisons Create Composite Benchmark from Sector Averages Creates a Composite Benchmark using the Sector Averages of this portfolio You can then name this composite benchmark
30. Securities Identification Number ISIN is a coding system used to distinguish securities L Large Cap A determination of large mid or small cap is made by separating all of the stocks into 10 global regions The largest 5 in a given region are large caps the next 15 are mid caps and the bottom 80 are small caps Page 56 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Latest Price This is the latest available price for one unit or share of the investment If available the latest price shown will be the Close Price if this is not available the price shown will be the NAV and if that is not available the price displayed will be the Bid Price Launch Date The date the fund was launched Also Known As Inception Date Legal Structure The structure of a fund based on the law in which it is domiciled For example these can include Open Ended Investment Companies OEICs and Unit Trusts Liquidity A measure of how easy it is to buy and sell shares without notably moving the share price London Interbank Offered Rate LIBOR The interest rate that the largest most creditworthy international banks charge each other for loans The LIBOR rate is typically 12 5 basis points above LIBID London Interbank Bid Rate London Stock Exchange LSE One of the largest stock exchanges in the world The most frequently quoted index on the LSE is the FTSE 100 Glossary Long Position The long position of
31. a bid to bid basis with net income reinvested Currency Depreciation A fall in the value of one currency in relation to another A movement in floating exchange rates results in one unit of a currency buying fewer units of another currency thus the value of the first currency has depreciated For example with a floating exchange rate if last week 1 bought 1 50 and this week 1 buys 1 45 the value of the pound has depreciated relative to the dollar because you get less dollars for the same amount of pounds Currency Devaluation The decrease in the value of a currency in comparison to another often the result of a government announcement Custodian The organisation such as a bank or trust company responsible for the safekeeping and sometimes settlement of investments owned by a fund Page 48 Systems Investments Profiler User Guide v9 O InvestmentsProfiler D Defensives Shares in companies which are not generally sensitive to the economic cycle For example food producers or utilities Derivative A generic expression for securities whose prices are based on the prices of another underlying investment Types of derivatives include futures options swaps and warrants Discount to NAV This is a measure of the difference between the value of the underlying assets of an investment trust NAV and the value indicated by its share price This is usually expressed as a percentage of the value of the underlying ass
32. a tool designed to speed up your fund selection process add structure to your best advice process and help justify your recommendation It also has the capability to store and monitor client and portfolio information set up model portfolios and produce reports The software is supplied on a rental basis and is updated daily The system includes a wealth of comparative data including performance volatility ratings and charges There are a wide range of graphs charts and reports available The system has been designed to be intuitive and uses similar functionality to other familiar programmes such as tabs and hyperlinks User Guide This guide has been designed to complement the help system facility available within Investments Profiler and will ensure you obtain the best results from the system An electronic version of this guide is available from the O amp M website together with a list of frequently asked questions Visit www omsystems co uk for more information O amp M Investments Profiler User Guide v9 O InvestmentsProfiler Other Products amp Services From O amp M In addition to Investments Profiler O amp M also offer L PensionsProfiler Pensions Profiler is a unique software system designed to assist with pensions research and justification Unlike other general best advice systems designed to help tick the box Pensions Profiler is client premium and product specific The system holds data for over 48 000
33. asis with net income reinvested Stock See Equity systems Page 63 Glossary esso Investments Profiler User Guide v9 O InvestmentsProfiler Stock Exchange A market on which shares or other securities are bought and sold Examples include the London Stock Exchange or LSE and AIM T TER This is the Total Expense Ratio for the fund TER is the percentage of fund assets that are used to pay for operating expenses and management fees administrative fees and all other asset based costs incurred by the fund except brokerage costs Fund expenses are reflected in the fund s NAV Sales charges are not included in the expense ratio Top 10 Holdings The ten largest underlying holdings in which the fund invests Top 10 Holdings Concentration The percentage of the fund s portfolio which is invested in its Top Ten Holdings Tracker Fund See Index Fund Tracking Error The tracking error tells you how closely the performance of a fund tracks its benchmark The lower the tracking error the closer the fund tracks its benchmark The tracking error is never negative Mathematically speaking the tracking error is the standard deviation of the difference between the fund s performance and the performance of its benchmark U UCITS Compliant Pronounced You kits UCITS stands for Undertakings for Collective Investment in Transferable Securities this is an EU directive that establishes the terms under which a fund do
34. ation Asset Allocations Selected Cash Any 10 00 x Equity UK Equity Any 25 00 x Equity Overseas Equity North American Equity 25 00 x Fixed Interest Global Fixed Interest Any 40 00 x Total Value 100 00 Page 18 Systems Investments Profiler User Guide v9 OG InvestmentsProfiler When 100 has been allocated you can rotate the table by clicking the two opposing arrows in the top right of the asset allocation table Your target asset allocation pie chart will be displayed on the left Your current asset allocation pie chart will appear on the right The current asset allocation chart will show in black until you add current holdings Once existing holdings have been added you will be able to compare current with target asset allocation as shown below t Home Portfolio Risk Level 1 Demo Messages 1 O Options O Help O Research Funds View Portfolio in Portfolio Search e Print e Delete v Asset Allocations cde Target Asset Allocations OSes Current Asset Allocations HIERZ Fixed Interest 50 ge Fixed Interest 51 98 Other 0 33 Unknown 0 Cash 25 Equity 25 Equity 20 55 Cash 27 14 v Holdings If you click the two opposing arrows in the top right of the current asset allocation chart the panel will rotate and show a chart detailing the difference between the existing and target asset allocations T Home Portfolio Risk Level 1 Demo Messages 1 O Options O Help O Research Funds View
35. b www omsystems co uk
36. but not the obligation to buy for a call option or sell for a put option a specific amount of a given stock commodity currency index or debt at a specified price the strike price during a specified period of time For stock options the amount is usually 100 shares Also called option contract p Performance Fee A payment awarded to a fund manager if certain performance levels are attained in a set period of time Often it refers to the achievement of a return on a fund over and above the investment objective Preference Shares Shares that pay dividends at a specific rate while the dividends of ordinary shares fluctuate or may not be given at all They do not normally carry a vote unless dividends fall into arrears Represents a claim prior to common shareholders on the earnings of a company and on the assets in the event of liquidation Premium Discount to NAV This is a measure of the difference between the value of the underlying assets of an investment trust NAV and the value indicated by its share price This is usually expressed as a percentage of the value of the underlying asset A discount means the share price is less than the Net Asset Value and is represented by a negative percentage A premium means the share price is more than the Net Asset Value and is represented by a positive percentage Primary Share Class See Share Class Type Q Quarter End Investment quarters are specific three month periods throughout
37. ck on the reports button A list of available reports in PDF format will be displayed Clicking on the report will open the document and from here you can print by clicking the print icon or save it to a file by clicking on the save icon Ki Reports e Available Reports H Select your preferred Reports by clicking the links below D Z v Reports gt Detailed Portfolio Factsheet Deleting a Client To delete a Client open the desired Client and click the delete button in the top right of the screen You will be asked to confirm the deletion Home client se MAET r Home ClientMr A Smith Messages 1 O Options O Help O View Client in Client Search g Print e Delete Don Systems Page 41 Clients swoday Investments Profiler User Guide v9 O InvestmentsProfiler Reports A key benefit of Investments Profiler is the powerful reporting options that are available Reports can be printed or saved digitally as a PDF files from directly within the system Report Name Description Accessible From Client Management This report is designed to provide a summary ofthe Dashboard Information client bank and investment portfolios Client Results This report prints the details currently displayed for Client Search Results the client search results Fund Factsheet Basic This report provides key information for the selected Fund Search Results fund Fund Dashboard Fund Factsheet This report pr
38. d product wrappers OBSR Fund Ratings are widely acknowledged as an independent mark of quality This is what each rating means e AAA Rating this is the highest rating awarded It is given to funds which demonstrate very powerful investment processes and disciplines which OBSR believe will translate into exceptional long term performance The AAA Rating is an indication of excellence e AA Rating this is determined using the same methodology as for the AAA Rating The AA Rating is an indication of highly superior quality based on process and track record e A Rating this is again determined using a methodology consistent with that applied for the AAA and the AA Ratings A fund which achieves the A Rating status is a highly commendable one e Susp Suspended Rating an OBSR Rating may be suspended when a change of circumstances necessitates further research to be undertaken Examples of such circumstances would be the departure of a fund manager or a change in investment mandate Page 60 systems Investments Profiler User Guide v9 O InvestmentsProfiler OEIC Pronounced Oyk An OEIC Open Ended Investment Company is a collective investment that takes its structure from both a unit trust and an investment trust An OEIC is single priced and issues shares like an investment trust However rather than buying and selling shares on a stock exchange people investing in OEICs transact with the fund company Option The right
39. distributions as a percentage of the fund price Morningstar calculates this figure by summing the income distributions over the trailing 12 months and dividing that by the sum of the last month s ending NAV plus any capital gains distributed over the 12 month period Morningstar adds back capital gains to estimate what the fund s ending price would have been had it not Systems Page 49 Glossary Asesso 9 Investments Profiler User Guide v9 O I t tsProfil nvestmentsrrorTier distributed these gains this makes the result more comparable to a stock yield because stocks do not distribute gains but rather simply increase in price Domicile The country of residence of a person fund or company It can have important tax implications Duration Bond Duration is a way of telling you how much a bond s price will change when interest rates change not how long the bond has left to maturity In general the duration tells you approximately how much the bond price will move in percentage terms when interest rates move by 1 E Earnings A company s income during a certain period The cost of sales operating expenses depreciation taxes and other expenses are subtracted from revenue Earnings per Share EPS A company s total earnings divided by the current number of shares outstanding EPS gauges the profitability of the company from the view of the shareholders It is used to calculate the price to earnings ratio P E ratio
40. double click the left mouse button Alternatively you can double click on the relevant chart legend entry Where source data is available your mouse icon will change to a hand icon Please note that source data is not available for all charts Page 44 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Glossary A ABI Sector The ABI Sectors are a system for the classification of life and pension funds An ABI Sector is assigned for a fund based on the investments it holds Funds in the same sector will often hold similar investments and have similar objectives Active Management When a fund manager uses his own judgement to decide what shares to buy or sell rather than following an index The opposite is known as passive management or index tracking Alpha Alpha represents the over or under performance of an investment relative to its benchmark It is based on the past performance of the fund and its historic market sensitivity A positive alpha indicates the fund has outperformed in the past Alternative Investment Market AIM A stock market launched in June 1995 in London for smaller growing companies which would not normally qualify for listing on the main market Annual Management charge AMC A fee usually expressed as a percentage charged by the investment manager to cover the costs of running the fund It is deducted from the net assets of the fund Also Known As Management Fee Annua
41. e can vary depending on the size of the order and the degree of advice you received The monetary amount the provider of the product or fund pays to your financial adviser for arranging the plan Systems Page 47 Asesso 9 Investments Profiler User Guide v9 O I t tsProfil nvestmentsrrornier Commodity A physical substance such as metals which investors can buy or sell usually through Future contracts The price of a commodity is subject to that of supply amp demand with the price of oil rising substantially when conflicts arise in the Middle East Convertible Bond A company issued bond that may be converted into shares in that company during the life of the bond for a pre stated price The decision to convert may rest with either the issuer of the bond or the investor but is not obligatory Corporate Bond A bond issued by a corporation to an investor as a means of raising money The par value otherwise known as face value of the bond is repaid when the bond matures In addition interest is paid at set intervals and the bonds can be traded on major exchanges Because bonds are taxable they are also offered in tax wrappers such as ISAs Individual Savings Accounts Coupon Bond The fixed percentage that is paid out on a regular basis on a fixed income security Cumulative Returns This represents the total returns of a fund over a given time period from the latest available performance data date It is calculated on
42. e to specify the time period for the comparison By default Best Fit is selected which uses the largest time period available for which all selected portfolios have data subject to maximum of 5 years 1 year 3 year 5 year or custom time period can also be specified Don Systems Page 27 Research udieasay Investments Profiler User Guide v9 O I t tsProfil nvestmentsrroriier Rebalancing a Portfolio Over time the asset allocation of a portfolio becomes out of line with its target asset allocation and you may wish to rebalance the portfolio Investments Profiler allows you to review the current asset allocation of your clients portfolio against the target asset allocation and determine if you need to rebalance the portfolio t Home Portfolio Risk Level 1 Demo Messages 1 O Options O Help O Research Funds View Portfolio in Portfolio Search amp Print v Delete v Asset Allocations Target Asset Allocations Current Asset Allocations Fixed Interest 50 SP Fixed Interest 51 98 Other 0 33 Unknown 0 Cash 25 Ce Equity 25 Equity 20 55 Cash 27 14 v Holdings Open the Portfolio you wish to review Click the two opposing arrows in the top right of the Current Asset Allocation chart The screen will rotate and display a Target and Current Variance chart detailing how overweight and underweight the portfolio is in each asset class in percentage terms T Home Portfolio Risk L
43. earch Portfolio Comparison 3 Portfolios Messages 1 O0 Options O Help O Online amp Print e Portfolio Comparison Cumulative Returns v Cumulative Returns F Risk Reward 40 0 a Discrete Returns 30 0 20 0 10 0 gt eRisk Level 2 Portfolios geg s 0 0 eMr John Smith Pension Portfolio 2 Select J lt O Risk Level 4 Portfolio Funds 10 0 None Selected Zaj B Sector Averages 20 0 Benchmarks None Selected X 30 0 Time Period gt gt MARRARA RRR e ee ee oe ee ee e o e ee o e e e o e e e e e oe o e e e o o e e e ei AH HAH HH HAH i EH CH EH NN e e o e ee oe ee GG e EE ee OG EG ee Ge Ge GO rd dd si d rd sd d si rd r d rd sidd sdsd rd sd d r sd rd rd rd rd rd si 2 EE ee ee ke E De EE AE a ee E E 985 DEE e e e Ke e Je Se a RE RE E 8 Lees AKRS KX Best Fit Za D E Sep a Ee SZ E aag a 0 EE SE o e a HE E SES o SG a DEE E SE TSA A on o a i ee ee ss 01 May 2007 30 Apr 2012 You can customise the Portfolio Comparison by using the options shown in the bottom left of the screen including Portfolios R 3 Selected v e Removing portfolio PESA H e rm k 4 e Including Funds Hone Selected _ Sector Averages e Including sector averages Benchmarks S None Selected v e Including Benchmarks both standard and composite SE ime rerio Best Fit As you make your selections the display is automatically updated wm You are also abl
44. ed Balanced Inc GBO003509543 OEICs and Unit Trusts Balanced Managed Income Equity Cash GE e Baillie Gifford Managed B Acc GBO0006010168 OEICs and Unit Trusts Balanced Managed Growth Balanced Managed gel s Baillie Gifford Managed B Inc GBO0006007909 OEICs and Unit Trusts Balanced Managed Income BlackRock QIS Consensus I Acc GBP GBOOBOSHDS27 OEICs and Unit Trusts Balanced Managed Growth Morningstar Quantitative gl sw CF Miton Strategic Portfolio A GBOOBO10Y517 OEICs and Unit Trusts Balanced Managed Growth 5 5 Stars Gel e CF Miton Strategic Portfolio B Inc GBOOBO525B66 OEICs and Unit Trusts Balanced Managed Income l Ja Fixed Income Credit Qu J l CF Miton Strategic Portfolio E GB00B17N5L48 OEICs and Unit Trusts Balanced Managed Growth 45 0 Morningstar Analyst ze Cirilium Moderate A GBOOB2Q8TPS8 OEICs and Unit Trusts Balanced Managed Growth SP l None Selected k zez Cirilium Moderate I GBOOB2Q8TQ06 OEICs and Unit Trusts Balanced Managed Growth 3 5 0 l Henderson Enhanced Balanced 3 GBOOBi809R89 OEICs and Unit Trusts Balanced Managed Growth 30 0 OBSR Qualitative Investec Balanced Managed A Inc Net GBOOBiILB1T45 O ICs and Unit Trusts Balanced Managed Income 25 0 None Selected Gel a Investec Balanced Managed B Acc Net GBOOBiLB1X80 OEICs and Unit Trusts Balanced Managed Growth 20 0 Investec Balanced Managed S Acc Net GBOOBiL9SGGO5 OEICs and Unit Trusts Balanced Managed Growth 15 0 Alpha 3 Years Jupiter Merlin Balanced Portfolio Acc
45. eem i Louise Gilmour 08 12 2011 e Home Funds Search Online d Manage Searches 2 x v Filters f v Load A Saved Search f Universe european None Selected x My Pinned Funds UK Gilt Funds Share Class Type gt Save The Current Search All Share Classes z Search Results The results are displayed in various sections Click on the section heading to access the information you require Annualised Performance Ratings and Charges Cumulative Performance Discrete Standardised Performance Platform Availability Performance Risk Measures You can customise the sections displayed via the Options menu In addition you can also create your own Key Fund Information section and select up to six preferred platforms for the Platform Availability section QO E repsonse E CR T Favorites e O amp M Profiler Dashboard Clients Portfolios Research e Options General Options Select from the available options below to configure your Fund settings V View multiple sections Fil Always show panel buttons v Results Result Tabs 9 Selected v Preferred Platforms Max 6 6 Selected z My Key Fund Indicators Max 6 6 Selected z You can sort the results by clicking the column headings Additional filters can be applied to the search results by clicking the arrow displayed in the column
46. eport will open the document and from here you can print by clicking the print icon or save it to a file by clicking on the save icon Deleting a Portfolio To delete a Portfolio open the desired Portfolio and click the Options O HelpO Contact Us O delete button in the top right of the screen You will be asked to Delete si confirm the deletion Systems Page 29 Research sual gt Investments Profiler User Guide v9 O InvestmentsProfiler Clients Introduction Investments Profiler allows you to store client information and monitor their portfolios The system lists the most recent clients you have looked at and allows you to pin clients so you can view them quickly My Clients You can create view edit save and print Clients by clicking Clients on the home screen and then My Clients Search Area The first screen shows a list of existing clients Ze O amp M Systems Home TESS Me TRaiing mr T Rain Funds Search Je Louise Gilmour pee v Home Client Search 39 Matches Messages 1 0 OptionsO Help D Online Create New Client Print e Pid Client Search Results EI Date or Birth Next Review Client Value Status Adviser 20 07 1979 26 05 2012 483 97 Current Sumana Chowbene 19 04 1977 01 06 2012 102 276 29 Current Paul Ravenscroft 24 06 1968 23 03 2012 29 923 81 Current Andrew Ramsbottom 12 04 1978 02 07 2012 706 61 Current Sumana Chowbene 11 07 1980 17 08 2012 0 00 Cu
47. equities by the industries that companies operate in such as Media or Healthcare Not to Be Confused With Fund Sectors Such as IMA or ABI Sectors Equity Style Box This is a proprietary Morningstar data point The Morningstar Style Box is a nine square grid that provides a graphical representation of the investment style of equities and mutual funds It classifies securities according to market capitalisation the vertical axis and growth and value factors the horizontal axis By providing an easy to understand visual representation of equities and fund characteristics the Morningstar Style Box allows for informed comparisons and portfolio construction based on actual holdings as opposed to assumptions based on a fund s name or how it is marketed Equity Style Box diversification The percentage of an investment invested in each of the nine Style Box sections Ethical Investment See Ethical Issue Focus or Socially Conscious systems Page 51 Glossary Asesso 9 Investments Profiler User Guide v9 7 O InvestmentsProfiler Ethical Issue Focus This represents the ethical or socially responsible criteria an ethical fund applies as part of its investment strategy Ethical funds are classified into one of four investment focuses Environmental Focus These funds ascribe to green investing and have a strong focus on environmental sustainability ESG Focus These funds incorporate environmental social and governance factor
48. er Cyclical 9 30 sane Size Value Blend Growth B Financial Services 16 62 x Real Estate 1 84 S gie m M o go Sensitive rl Communication Services 6 13 e Be SE 38 70 P Energy 14 45 ee al e Industrial 11 80 lense fl Technology 6 32 2008 2009 2010 2011 Defensive Consumer Defensive 12 10 Year 23 39 J Healthcare 7 83 bd utilities 3 47 mB Paiko EN Been b gt s f a Portfolio Performance OSE Risk Reward OSE Equity Region OSE d 4 e 20 0 e 48 10 0 5 40 j 0 0 R 32 A g a k n d s 10 0 ES United States 13 45 E 20 0 z S ZER Africa 0 46 z 30 0 G 16 ad Kingdom 54 74 Asia Developed 4 amp 40 0 8 Asia Emerging 2 gt 2 z z 4 a m na 0 Middle East 0 04 Australasia 4 84 Ei e Ei EI Ei E ei o 6 12 18 atin America 0 76 Canada 0 65 Cd mN m N mN Iw N S Pi Japan 4 78 Europe Emerging 0 4 Year 3 Year Volatility Eurozone 9 16 Europe ex Euro 4 21 wi e Portfolio ye Benchmark Portfolio A Benchmark You can add or remove panels of information to create a bespoke Portfolio Dashboard including only the information you would like to see To do this click on Manage Contents The screen will rotate and provide a list of panels to include or remove Panels currently included will show a green tick on the right of the panel name When you hover over an item on the list a preview of the panel will appear helping you decide if you would like to include it To include a panel in your Portf
49. er the benchmark details and add the indices and sector averages you would like to use in the benchmark In the Composite Benchmark Details section enter a reference set the status and a review date if applicable You can also allow other users at the company to access this benchmark w Composite Benchmark Details Reference Comments Benchmark Status Current D Adviser Louise Plant IP E Next Review Allow other users in the company to access this Composite Benchmark _ In the Benchmarks section use the Actions button to select the Indices and Sector Averages you would like to use in your Composite Benchmark Benchmarks oer Ges Benchmark All Benchmarks Add Benchmark Name BofAML GBP LIBOR 1 Mon CM GBP Add Sector b EURO STOXX 50 NR EUR Import From d Euronext Paris CAC 40 NR EUR FSE DAX TR EUR Enter the amount in percentage terms you would like to add to each Index or Sector Average Benchmarks Benchmark Investment Percentage Name Status FTSE 100 TR GBP 15 00 Current A S amp P 500 TR 20 00 Current x FTSE EPRA NAREIT Developed TR GBP 10 00 Current a UK RPI 15 00 Current UK All Companies 40 00 Current systems Page 17 Research udieasoy Investments Profiler User Guide v9 O InvestmentsProfiler Create New Portfolio To create a new portfolio click Create New Portfolio gt Home Portfolio Search 45 Matches Create New Portfolio Portfolio Info amp Print Yo
50. eral term for a unit trust OEIC or any other collective investment scheme Also Known As Collective Investment N NASDAQ Pronounced Naz Dack An American stock market which is best known for its technology companies NASDAQ National Association of Securities Dealers Automated Quotations is the second largest market in America and was the world s first electronic stock market Listed companies include Cisco Dell Intel and Microsoft Net Asset Value NAV The value of the investments in a fund In the case of a unit trust or OEIC the net asset value per share normally corresponds to the fund s market price subject to any sales or exit charge Net Position The net position of a fund in an asset type represents the overall amount the manager has invested in the asset class It is calculated by subtracting the short position from the long position in the asset class In any portfolio breakdown where it is not stated whether the breakdown is long short or net then the net position will be displayed New York Stock Exchange NYSE The largest and oldest stock market in America Based on Wall Street Its most widely quoted indices are the Dow Jones Industrial Average and the S amp P 500 O OBSR Rating OBSR Old Broad Street Research is recognised as the leading qualitative investment research company in the UK retail funds market They specialise in dedicated consultancy researching and analysing investment funds an
51. et A discount means the share price is less than the Net Asset Value and is represented by a negative percentage A premium means the share price is more than the Net Asset Value and is represented by a positive percentage Discrete Returns This represents the total return of a fund over a specific period of time Examples of Discrete returns are Calendar Year 2009 July 2011 and Quarter 1 2010 Discrete returns are calculated on a bid to bid basis with net income reinvested Distribution Status The distribution status tells you how an investment treats the income it generates A distribution status of Income Inc means that the fund pays out its income A distribution status of Accumulator Acc means that a fund reinvests the income it generates this will increase the value of units in the investment Also Known As Fund Type Income Status Diversification Spreading risk by investing in assets with different characteristics For instance an individual might invest in a combination of bonds property and equity Or equity based funds might invest in a variety of countries or market sectors Investors can also diversify by investing in a range of different types of funds Dividend An after tax distribution of a company s or fund s profits to shareholders normally specified in pence per share in Britain Dividends are usually paid twice a year interim and final Dividend Yield 12 Months Yield is a measure of the fund s income
52. evel 1 Demo Messages 1 0 Options O Help O Research Funds View Portfolio in Portfolio Search amp Print Delete v Asset Allocations Target Asset Allocations Target and Current Variance 2 Fixed Interest 50 1 s pe Fixed Interest 50 50 0 3 4 Cash Other Equity Percentage Difference i Cash 25 Equity 25 Fixed Interest Asset v Holdings A Rebalancing Report can be printed to support and help explain any changes you make to a portfolio To print the Rebalancing Report click the Print button at the top of the screen A list of available reports in PDF format will be displayed Clicking on the report will open the document and from here you can print by clicking the print icon or save it to a file by clicking on the save icon Page 28 Systems Investments Profiler User Guide v9 O InvestmentsProfiler If you decide to rebalance the portfolio you can adjust the holdings to reflect the new asset allocation To edit a holding select the desired holding and click Edit in the top right of the panel To remove a holding click the red cross to the right of the holding Print wm S Home Portfolio To view the reports available in the Portfolio Se esearch Funds iew Portfolio in Portfolio arc Print area click on print button A list of available Select your preferred Reports by clicking the links below reports in PDF format will be displayed Clicking on the r
53. filer You can sort the results by clicking a column heading A small arrow in Home ue t Home Client Search 39 Matches the column heading indicates which column the results are sorted by Create new cient Print Client Search Results Ai Mr Sin Lin 11 07 1980 17 08 2012 o d Favourite Clients a Ee ES If you have clients that you would like access quickly or regularly you can save them as Wed ve Favourite Clients Clients can be marked as favourites by right clicking the client gie ia directly from the search results and selecting Add to Favourites You can also Mr D Ravenscr 7 G S S A A D ebe Is Example Favourite Clients by clicking the star icon in the top left of the Client Info screen ee Your Favourite Clients can be accessed via your recent clients list Home Client Search Pinning Create New Client Pinning allows you to keep clients returned by a search in the results grid whilst carrying out additional research The clients remain pinned for the current research session To pin a client click the pin icon directly to the left of the client name the pin will turn from grey to red This pins the client to the top of your search results The client will remain pinned until you unpin it by clicking on the red pin icon or close the client search results window You can also pin all clients by right clicking in the results g
54. funds and is updated on a monthly basis Pensions Profiler incorporates a Switching facility which is the ultimate comparison and report writing system for advisers reviewing existing individual pension contracts The system produces a client friendly report which clearly lays out the issues to your clients Pensions Profiler Professional Pensions Profiler Professional is an enhanced version of the system which allows users to create their own custom products for use within Switching Projections and Combined Results Profiles The Professional version is of particular interest to advisers involved in the wrap SIPP and group personal pension markets where the charging structure may be unique from policy to policy G TransferAdviser Transfer Adviser is a split commission regulated service created to satisfy demand from our customers who are unable or unwilling to offer advice on occupational transfers This service is the largest of its kind in the UK L TransvasProfiler Transvas Profiler is an essential software package for those regularly involved with transfers from final salary schemes O amp M s reports use graphs to compare benefits which enable your clients to fully appreciate the alternatives available The software is the market leader and is used by the majority of large networks national brokers and benefit consultants gt TransferBureau Our Transfer Bureau provides reports from the Transvas Profiler system
55. ge this when you next login to the system Changing Password amp Logging Out Click on the small arrow next to your user name to change your password or logout of the system r Louise Gilmour a gt Home Client Search 2 Change Password ell rd Research Fund i Logout i gt Parsonal Details z Portfolios O amp M Investments Profiler User Guide v9 OG InvestmentsProfiler Messages When you first enter an area of the system you will receive a message in the top right corner of the screen providing information and tips relevant to the current section You can close these messages by clicking on the small X in the top right corner of the message SG O amp M Profiler Se O amp M Systems eme RTI Funds scorch aberdeen a 12 01 2012 h Jon Bunkell 1e V Home Online v Ho Below you will find messages relevant to this area of the system To close a message click on its top right X button gt Dashboard Welcome x gt Research This is the first screen you will see each time you log in a to the system and you can return here at any point by gt Clients clicking the Home Tab You can access the main areas of system by clicking on of each area by clicking on the tabs Many areas of the sytem can be tailored to suit your personal preferences You can open the Options menu from anywhere on the system and configure the settings accordingly We have a selection of quick How To s avai
56. gt Clear Unpinned gt Change Filters You can search for a specific fund via the text search function or apply criteria via the fund filters The text search can look up sector name manager name fund name and ISIN number Once you have entered your text in the search box or selected your criteria click the search icon Select the funds you want to add to the portfolio multiple funds can be selected by holding down the ctrl key and click Add Fund To Portfolio You can save search criteria previously applied and also load a saved search by clicking on the save icon Options Li Help QO Contact Us O Add Fund To Portfolio e The currently open portfolios are displayed Select the portfolio you want to add the funds to Current Open Portfolios HE Select the portfolio you d like to add the fundis to below Portfolios Training Portfolio Don Page 20 Systems O InvestmentsProfiler Investments Profiler User Guide v9 After selecting the portfolio the holdings section of the Portfolio is displayed allowing you to input the percentage you would like to allocate to the funds w Holdings Date 09 12 11 03 10 PM Name Percentage 0 00 Current Price Pence Investment Status Current hel To input the percentages into other funds of you have added to the portfolio or to modify existing allocations select the fund and click Edit The screen will rotate allowing you to add each percentage Click
57. io to select it and click on the small grip on the right side of the screen Two panels will appear displaying information on the highlighted portfolio You can use the drop down boxes to select the panels you would like to view Once you have made your selection you can choose any portfolio from the search results and the panels will remain in place until you click on the grip to hide them SS ORM Systems SS Home Portfolio Search Messages 1 O Options O Help O Online Create New Portfolio Portfolio Info Print v Quick View P ad Portfolio Search Results Target Asset Allocations Reference Review Date Benchmark Current Value Allocation Portfolio Type Status 3 Risk Profile 01 06 2012 FTSE AllSh TR GBP 0 00 100 00 Model Current Graha Ja All Assets 19 07 2012 FTSE AllSh TR GBP 0 00 100 00 Model Current Sumar Equity 25 Cash 25 wn Cautiously Aggressive Portfolio 01 06 2012 FTSE AllSh TR GBP 0 00 100 00 Model Current Michae Marcus Test PF FTSE AllSh TR GBP 0 00 0 00 Model Current Marcu Fi P Model Portfolio 365 EURO STOXX 50 NR EUR 0 00 100 00 Model Current Simon a SR Model Portfolio 7 FTSE AllSh TR GBP 0 00 100 00 Model Current Louise Risk Level 1 29 05 2012 FTSE AllSh TR GBP 0 00 Risk Level 3 Demo gt 0 05 201 al eee 05 2012 4 Jal Target And Current Allo Percentage AakwonrorN Ww Equity 4 gt Fixed Interest Favourites If you have portfolios a
58. is a rating assigned to a fund based on qualitative analysis of the fund s investment strategy Morningstar evaluates funds based on five key pillars Process Performance People Parent and Price which its analysts believe lead to funds that are more likely to outperform over the long term on a risk adjusted basis A fund can have one of the following five ratings e Gold Best of breed fund that distinguishes itself across the five pillars and has garnered the analysts highest level of conviction e Silver Fund with notable advantages across several but perhaps not all of the five pillars strengths that give the analysts a high level of conviction e Bronze Fund with advantages that outweigh the disadvantages across the five pillars and with sufficient level of analyst conviction to warrant a positive rating e Neutral Fund that isn t likely to deliver standout returns but also isn t likely to significantly underperform according to the analysts e Negative Fund that has at least one flaw likely to significantly hamper future performance and that is considered by analysts an inferior offering to its peers The ratings reflect Morningstar analysts conviction in the fund s ability to outperform over the long term The rating is not an individualised recommendation the best emerging markets equity fund for instance might not fit with a particular investor s risk appetite time horizon and other portfolio ho
59. lable inthe e Options The Options menu allows you to set up your system the way you want You can add or remove selections to customise the way areas of the system are displayed aane Dashboard Select from the available options below to configure your Fund settings Clients Portfolios Research v Options General Options Fi View multiple sections v Always show panel buttons v Results Result Tabs 9 Selected v Preferred Platforms Max 6 My Key Fund Indicators Max 6 6 Selected Help A number of help options can be accessed by clicking the help button in the top right of system The FAQ section provides you with answers to frequently asked questions and if you re unsure of how to achieve a specific task then this is the best place to look O amp M O Systems Page 5 General Features SoJNJeo4 EADVUDS Investments Profiler User Guide v9 OG InvestmentsProfiler You can also contact us through the help section by clicking on Contact Methods Various contact details are provided and you also have the option of submitting feedback directly through the system Help Guide Below you will find all of the information required to use and understand the application gt FAQ v Contact Methods Technical Support Phone 0845 490 1010 Technical Support Email support omsystems co uk Fax Fax 0845 490 1199 Sales Phone 0845 490 1155 Send Feedback Leave Feedback v S
60. ldings While the rating is a useful short hand investors must read the underlying report to gain a full understanding of the fund Morningstar Category The Morningstar Category is a classification system for funds Each fund is assigned a Morningstar Category Glossary based on its individual holdings The Morningstar Category is regularly updated If a fund manager shifts the investment strategy of the fund then its Morningstar Category may well change Morningstar Overall Rating Morningstar rates investments from one to five stars based on how well they ve performed in comparison to similar investments after adjusting for risk and accounting for all relevant sales charges Within each Morningstar Category the top 10 of investments receive five stars the next 22 5 four stars the middle 35 three stars the next 22 5 two stars and the bottom 10 receive one star Investments are rated for up to three time periods 3 5 and 10 years and these ratings are combined to produce an overall rating Investments with less than three years of history are not rated Ratings are objective based entirely on a mathematical evaluation of past performance They re a useful tool for identifying investments worthy of further research but shouldn t be considered buy or sell recommendations Multi Manager See Manager of Manager systems Page 59 Asesso 9 Investments Profiler User Guide v9 7 O InvestmentsProfiler Mutual Fund A gen
61. lient or Model A list of portfolios will be displayed Select the portfolio you wish to import from and the target asset allocation or holdings will be added The imported target asset allocation or holdings can then be edited accordingly Clear All Allows you to remove all target asset classes or holdings from the selected panel Switch Places the currently selected fund holdings into the fund search results table to allow further analysis research or comparisons Add Other Holding See Create New Portfolio section View Fund Dashboard Quickly access the fund dashboard for the selected fund Research All Funds Places all of the fund holdings into the fund search results table to allow further analysis research or comparisons Create Composite Benchmark from Sector Averages Creates a Composite Benchmark using the Sector Averages of this portfolio You can then name this composite benchmark and use it in your fund and portfolio comparison areas Page 22 Systems Investments Profiler User Guide v9 OG InvestmentsProfiler View Edit Existing Portfolio To view or edit a portfolio select the desired portfolio and click the Portfolio Info button The Portfolio Details Asset Allocation and Holdings will be displayed Once open you can edit the Home Portfolio Search 45 Matches Create New Portfolio Portfolio Info Print e Portfolio details The system automatically saves any changes
62. lio Search e Print e Delete w Asset Allocations Target Asset Allocations OSey Current Asset Allocations Hoc Fixed Interest 0 SE d Fixed Interest 51 98 _ _ Other 0 33 Unknown 025 Equity 20 55 Cash 27 14 If you click the two opposing arrows in the top right of the current asset allocation chart the panel will rotate and show a chart detailing the difference between the existing and target asset allocations r Home Portfolio Risk Level 1 Demo Messages 1 O Options O Help O Research Funds View Portfolio in Portfolio Search Print e Delete w Asset Allocations Target Asset Allocations AE Target and Current Variance Hoc a 2 Fixed Interest 50 1 OC Percentage Difference Equity Fixed Interest Asset Holdings To view or edit the target asset allocation click Edit in the top right of the target asset allocation chart on the left Oo Systems Page 33 Clients sual gt Investments Profiler User Guide v9 OG InvestmentsProfiler To input holdings click on holdings v Holdings Fund Investment Percentage Name Status To add a fund to the portfolio click Add Fund in the top right of the panel The Fund Research area will be shown S OGM Systems ae ee YP lt lt i Louise Gilmour we v Home Funds Search Messages 2 0 Options O Help O Online a o E Ratings and Annualised
63. lised Fund Performance This represents the conversion of the cumulative performance of an investment into a yearly rate It is a hypothetical rate of return that if achieved annually would have produced the same cumulative return if performance had been constant over the entire period Also Known As CAR Asset Allocation Asset allocation is the spread of an investment across various asset classes such as equity bonds and property Asset Class Asset classes are broad investment categories that offer differing levels of risk and return such as equity bonds property and cash Systems Page 45 Glossary esso Investments Profiler User Guide v9 O I t tsProfil nvestmentsrrorTier B Basis Point bps One one hundredth of 1 0 01 Used to measure changes in interest rates For example a change in interest rates from 6 25 to 6 75 would be an increase of 50 basis points Batting Average Batting Average is a measure of a fund manager s ability to consistently beat the market The batting average gives a percentage figure for the number of months in which the fund s performance is better than its benchmark Bear Market Market is in decline and is often created by the bears the market pessimists with the opposite being a bull market Benchmark An index against which a fund measures its performance Funds typically compare their performance against indices such as the FTSE 100 or the S amp P 500 Best and Wor
64. lling an equity or purchasing a put option on an investment SICAV Pronounced Sick Av A SICAV Soci t s d investissement a Capital Variable is an open ended investment fund similar to the UK s unit trust Luxembourg domiciled trusts are typically SICAVs Small Cap A determination of large mid or small cap is made by separating all of the stocks into 10 global regions The largest 5 in a given region are large caps the next 15 are mid caps and the bottom 80 are small caps Socially Conscious A socially conscious fund uses moral as well as financial criteria when selecting assets for its portfolio This term is sometimes used to refer to funds which positively seek to invest in firms which are considered ethical Also Known As Ethical Fund Standard Deviation See Volatility Standardised Fund Performance Standardised fund performance is past performance data for a fund that complies with the FSA s regulations to compare different investment products from different providers COBS 4 6 4 The performance data shown is for five or if performance information for fewer than five is available all complete 12 month periods the most recent of which ends with the last full quarter preceding the date on which the firm first communicates or approves the financial promotion For funds with less than 12 months performance data no standardised performance data will be shown The performance data is calculated on a bid to bid b
65. lus A Acc 3 107 942 91 1 1 1 3 Mr Example Client 214 609 85 01 01 2013 1 kend Cazenove UK Opportunities 8 2 67 625 35 3 o i Not Specified 26 35 46 55 Over 65 Royal London Prot Deposit Bonus Mrs Test Client 202 935 00 06 03 2012 ZE Z Deg es 1 61 912 11 Portfolio Value Profile SSSR Forthcoming Reviews JAIEI Client Portfolio Universe Profile 12 6 1 200 000 10 11 5 E 987 415 1 000 000 8 o 4 2 6 5 800 000 gt 3 uw 4 600 000 569 850 2 2 0 D H 400 000 o s T 200 000 148 050 86 560 Not Specified Apr 20 12 SES 012 Aug 2012 W erdue Jul 2012 Sep 2012 0 OEICs and Unit Uwe UK aa WR EN cient I Portillo Offshore Funds UK Life f Manage Dashboard You can save different Dashboards depending on the information you would wenn Rm Home Dashboards Default like view To save the current Dashboard click Manage Dashboards enter a Manage Dashboards e amp Print v name and click save To view a previously saved Dashboard click Manage dashboa rd Dashboard and Load Existing Dashboard This will display a list of previously saved Dashboards to choose from eet Dashboard begoen gt Load Existing Dashboard O amp M Systems Page 7 Dashboard pueoquseg Investments Profiler User Guide v9 O InvestmentsProfiler Manage Contents You can add or remove panels of information to create a bespoke Dashboard including only the information you would like
66. miciled in one EU member state can be marketed in all EU countries A UCITS compliant fund complies with these terms UCITS KIID Ratings Pronounced You Kits Kid By July 2012 all UCITS compliant funds will have to supply a Synthetic Risk Reward Indicator SRRI Rating in their Key Investor Information Document KIID The rating is based on the volatility of the funds past performance Page 64 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Ratings range from 1 to 7 with 1 representing those funds with the lowest past volatility and 7 those with the highest past volatility Two values for this rating are supplied 1 The official Rating as Supplied by the Fund Management Company 2 A rating as calculated by Morningstar an independent investment research company V Value stocks An undervalued stock as indicated by low price earnings ratio P E ratio high dividend yield and a low price to book ratio Volatility The term volatility indicates how much and how quickly the value of a fund changes Mathematically speaking the Volatility figures supplied in Funds Profiler represent the annualised Standard Deviation of Discrete Monthly Fund Performance Also Known As Standard Deviation Glossary Systems Page 65 O amp M Systems 3 Charter Court Newcomen Way Severalls Business Park Colchester Essex CO4 9YA Tel 0845 490 1133 Fax 0845 490 1199 Email support omsystems co uk We
67. n Portfolios and Composite Benchmarks You can create view edit and print Model Portfolios and Composite Benchmarks by clicking Research on the home screen and then Portfolios and Composite Benchmarks Search Area The first screen shows a list of existing portfolios and benchmarks lt O amp M Systems em B 10 02 2012 Louise Gilmour 12 42 Home Portfolio b Home Portfolio Search 10 Matches Create New Portfolio Reports Available Reports Select your preferred Reports by dickin v Reports E Current View Messages O Options O Help O r Online P Portfolio Search Results v Filters a Next Review Date Reference Review Date Current Value Imbalance Allocation Portfolio Type Status Adviser zaar J E ea J Balanced Model Portfolio 16 02 2012 0 00 5 59 100 00 Model Current Louise Gilmour Not Selected Z Cautious Model Portfolio 08 03 2012 0 00 15 42 100 00 Model Current Louise Gilmour Moderate Risk 15 08 2012 0 00 0 90 100 00 Model Current Louise Gilmour Benchmark J gt Risk Level 1 01 07 2012 0 00 1 25 100 00 Model Current Louise Gilmour None Selected sl P Risk Level 2 08 08 2012 0 00 4 91 100 00 Model Current Louise Gilmour J gt Risk Level 3 01 07 2012 0 00 0 76 100 00 Model Current Louise Gilmour Tyne J gt Risk Level 4 01 07 2012 0 00 1 16 100 00 Model Current Louise Gilmour Model Zaj 4 Risk Level
68. n then research alternatives and compare your shortlisted funds against the existing fund Select the funds you want to add to the portfolio multiple funds can be selected by holding down the Ctrl key and click Add Fund To Portfolio You can set the status of the new funds as Proposed until you have discussed the changes with your client Proposed funds will appear in the Holdings panel as proposed until authorised Page 24 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Portfolio Dashboard When you have found the portfolios you are interested Home Portfolio Search 23 Matches 1 Selected in click the portfolio to select it Once selected you Create Model Portfolio Portfolio Info Portfolio Dashboard can access more information The Portfolio Dashboard button will become available A series of panels detailing information on the portfolio selected is shown You can manage the content of this area in the same way as you can with your Dashboard S OBM systems Home mron Bu Pension p _ Re db Jon Bunkell r Home Pension Portfolio Pension Portfolio Detailed Messages 1 O Options O Help O D D Online Manage Dashboards se Research Portfolio Portfolio Info L J a v Portfolio Dashboard Detailed Pension Portfolio E Manage Contents Equity Sector Breakdown OE Discrete Returns OSE Equity Style OE Cyclical A Basic Materials 10 18 E 40 Style i 53 30 37 93 KE Consum
69. nd benchmarks that you would like to access quickly or regularly you can save them as Favourites Portfolios and Benchmarks can be marked as favourites by right clicking directly from the search results and selecting Add to Favourites You can also add Favourites by clicking the star icon in the top left of the Portfolio and Benchmark Info screen Pinning Pinning allows you to keep portfolios and benchmarks returned by a search in the results grid whilst carrying out additional research They remain pinned for the current research session To pin a portfolio or benchmark click the pin icon directly to the left of the name the pin will turn from grey to red This pins it to the top of your search results and will remain pinned until you unpin it by clicking on the red pin icon or close the research window You can also pin all portfolios and benchmarks by right clicking in the results grid and selecting Pin all rows To only view pinned portfolios and benchmarks in the results click on clear unpinned at the bottom of the search results Page 16 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Create a Composite Benchmark To create an automatically generated composite benchmark using the sector averages of a portfolio please refer to the Create New Portfolio section of this document To create a new Composite Benchmark click Create Composite Create Composite Benchmark Benchmark You can then ent
70. o protect investors interests The FSA regulates the financial services industry and has four stated objectives under the Financial Services and Markets Act 2000 maintaining market confidence promoting public understanding of the financial system the protection of consumers and fighting financial crime Page 52 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Financials Proportion of portfolio invested in companies operating in areas such as banking insurance investments and property investment Some examples of companies in this sector include AMVESCAP Aviva HSBC and Lloyds TSB Fixed Income Credit quality Fixed interest holdings such as GILTs and Corporate Bonds are independently assessed by credit rating agencies based on their financial condition to establish their quality and safety The highest rating is AAA followed by AA A BBB BB B The bonds classified as Junk are those with a rating below B Also Known As Bond Credit Quality Fixed Income Fund Bond Fund A fund which invests primarily in bonds Its assets can include corporate debt government debt or a combination of the two types Front Load See Initial Charge FTSE FTSE also pronounced Footsie is named for the Financial Times FT and the London Stock Exchange SE who are its joint owners The FTSE family has numerous indexes including the FTSE 100 200 and techMARK but most commonly Footsie refers to the FTSE 100 Thi
71. olio Dashboard click on the panel name The panel sizes can be changed Panels can be reordered by dragging them to your preferred location on the screen To remove a panel click the small X in the top right corner of the panel You can zoom into a panel which will provide you with more information The selected panel can then be printed in isolation Manage Portfolio Dashboard Your system is issued with a series of default Portfolio Dashboards You Pension P Home Pension Portfolio Pension Portfolio Detailed can save different Dashboards depending on the information you would Se like to look at To save the current Dashboard click the save icon enter a 7 Use the links below to Save or Load an existing dashboard Research Portfolio Portfolio In name and click save To view a Dashboard you have previously saved click pee v Load Existing Dashboard Overview Default Detailed gt Save Current Dashboard Manage Fund Dashboards and Load Existing Dashboard This will display a list of previously saved Dashboards for you to choose from SES nen eure O amp M Systems Page 25 Research udieasoy Investments Profiler User Guide v9 OG InvestmentsProfiler Portfolio vs Portfolio Two portfolios can be compared directly against each other using the Portfolio vs Portfolio tool Select the E Home Portfolio Search 2 Matches 2 Selected Create New Portfolio Portfolio Com
72. ou would like to create a bespoke Fund Info Fund Overvie w Default Jupiter Merlin Balanced Portfolio Acc gt Panel Sizing to see To do this click on Manage Contents The screen will rotate and provide a list of eeneg vd panels to include or remove Panels currently oN w e eg ono B Fund Sector included will show a green tick on the right of the panel name When you hover over an item on the list a preview of the panel will appear helping you to decide if you would like to include it To include a panel in your Fund Dashboard click on the panel name The panel sizes can be changed Panels can be reordered by dragging them to your preferred location on the screen O amp M Systems Page 12 Investments Profiler User Guide v9 O InvestmentsProfiler To remove a panel click the small X in the top right Key Facts alx corner of the panel You can zoom into a panel which ISIN GB0021845141 will provide you with more information The selected panel can then be printed in isolation Manage Fund Dashboard Your system is issued with a series of default Fund Dashboards You can save aome EES different Dashboards depending on the information you would like to look at EE To save the current Dashboard click the save icon enter a name and click pra are RSET NERO RSE I Dashboard save To view a Dashboard you have previously saved click Manage Fund Fund v Load Existing Dashboard
73. out additional research The funds remain pinned for the current research session O InvestmentsProfiler Fund Search Results h e ES a Fund Name IMA To pin a fund click the pin icon directly to the left of the fund name the pin will turn from grey to red This pins the fund to the Aberdeen Multi Mgr Constellation Active Mar i e 46 Aberdn M Mor Equi lad DE ive Ma top of your search results The fund will remain pinned until you ee ee eee Architas Multi Manager Dynamic Active Mar unpin it by clicking on the red pin icon or close the fund research Sd Architas Multi Manager Growth Active Mal window You can also pin all funds by right clicking in the results et biia dasida EE Se Ai Aviva Investors Fund of Funds Growth Active Mar grid and selecting Pin all rows E Aviva Investors MoM Growth Active Mar To only view pinned funds in the results click on clear unpinned at the bottom of the search results Fund Dashboard When you have found the funds you are interested in click the fund to select it Once selected you can access more information The Fund Info button will become available R Home Funds Search Sa Fund Info A series of panels detailing information on the fund selected is shown You can manage the contents of this area in the same way as you can with your Dashboard Messages 1 O Options O Help O v Fund Info Fund Overview Default Jupiter Merlin Balanced Portfolio Acc
74. ovides detailed information for the Fund Search Results Detailed selected fund Fund Dashboard Fund Results This report prints the details currently displayed for Fund Search Results the fund search results Fund Sourcing This report details the criteria used to filter suitable Fund Search Results funds Fund vs Fund This report provides a detailed analysis of two funds Fund Search Results including overview performance and volatility Fund vs Fund Funds Audit This report details the criteria used to filter suitable Fund Search Results funds and provides a comparison of information including overview ratings charges performance risk measures and platform availability for the funds selected Funds Comparison This report is designed to provide a detailed analysis Funds Comparison of the performance and volatility of the selected funds Investments Summary This report provides a summary of the combined and Client Info individual portfolios selected including breakdown performance and volatility charts Portfolio Comparison This report is designed to illustrate the key Portfolio Search Results differences between two portfolios Portfolio Comparison Client Info Portfolio Factsheet This report provides key information for the selected Portfolio Search Results Basic portfolio Portfolio Info Portfolio Dashboard Portfolio Factsheet This report provides detailed information for the Portfolio Search Results Detailed selected portfolio
75. p H eo Oa SA 2 ga ovnov la sR 2 Sa OD pg e 01 Mar 2007 29 Feb 2012 v Risk Reward 36 0 30 0 e Funds e w 3 Selected 24 0 m Sector Averages ke et Benchmarks 2 ES None Selected e S Jupiter Merlin Growth Portfolio Acc 6 Cavendish Worldwide Retail Time Period E Threadneedle Global Eq Ret Best Fit X 12 0 r Done Internet Protected Mode Off f Q10 e You can customise the Funds Comparison by using the options shown in the bottom left of the screen including Funds 3 Selected Removing funds _ Sector Averages Benchmarks Including Sector Averages None Selected D Including Benchmarks Time Period Best Fit As you make your selections the display is automatically updated You are also able to specify the time period for the comparison By default Best Fit is selected which uses the largest time period available for which all selected funds have data subject to a maximum of 5 years 1 year 3 year 5 year or custom time periods can also be specified Page 14 O amp M O Systems O InvestmentsProfiler Reports Investments Profiler User Guide v9 To view the reports available in the Fund Research area click the reports button A list of available reports in PDF format will be displayed Clicking on the report will open the document and from here you can print by clicking the print icon or save it to a file by clicking on the save ico
76. parison amp Prir two portfolios you want to compare in the search results by holding down the Ctrl key and clicking the two portfolios The Portfolio vs Portfolio button will become available The system will then compare the two portfolios in a number of panels S_OGM Systems one rororo e Louise Gilmour 10 02 2012 Home Portfolio Search Portfolio Comparison Messages O Options O Help O Online Portfolio Info d Print e Portfolio Comparison gt Assets SS Holdmgs Risk Level 1 Risk Level 5 Allocations Performance UK Fixed Interest 18 14 Volatility UK Equity 68 22 Global Fixed Interest 22 17 Overseas Equity 0 21 UK Equity 9 75 Other 0 31 UK Fixed Interest 9 88 Don Page 26 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Portfolio Comparison Any number of portfolios can be compared directly against each other by using the Portfolio Comparison tool In addition you can add in sector averages and a number of Benchmarks Select the portfolio s you want to compare in the search results by holding down the Ctrl key Home Portfolio Search 2 Matches 2 Selected O O lt lt lt and clicking the portfolio s The Portfolio Create Model Portfolio Portfolio Comparison amp Pi Comparison button will become available OGM Systems garg NN oio b Louise Plant 21 05 2012 Home Portfolio S
77. ports available in the Dashboard area click the reports button A list of available reports in PDF format will be displayed Clicking on the report will open the document and from here you can print by clicking the print icon or save it to a file by clicking on the save icon Ki Reports e Available Reports Select your preferred Reports by clicking the link d Y Reports A Client Management Information O amp M Investments Profiler User Guide v9 OG InvestmentsProfiler Research Introduction Research is the area of the system where you can carry out extensive fund research and analysis You can also create and edit Model Portfolios and Composite Benchmarks Fund Research Search Area To begin your research click Research on the home screen and then Fund Research You can search for a specific fund via the text search function or apply criteria via the fund filters The text search can look up sector name manager name fund name and ISIN number Once you have entered your text in the search box or selected your criteria click the search icon Messages 2 O OptionsO Help D bi E Ratings and Annualised Cumulative Discrete Standardised seater Platform r Kenen Charges Performance Performance Performance Performance S PaSUreS Availability Universe Fund Name l v Filters ISIN Code Universe Investment Sector Income Status Primary Share Class None Selected xj l Share Class Type All Share Classes vj
78. r selecting the portfolio the holdings section of the Portfolio is displayed allowing you to input the units you would like to allocate to the funds v Holdings Units 0 000 Current Price Pence 4 Investment Status Current To input a monetary value rather than units click the small box to the right of the Units box To input the unit holdings into other funds of you have added to the portfolio or to modify existing allocations select the fund and click Edit The screen will rotate allowing you to update the number of units Click confirm after each edit The edit function also allows you to set the status of a fund to proposed current or previous Holdings other than funds can be added by clicking mopot eS ions in th ight of the holdi and Get Actions in the top right of the holdings panel an ae selecting Add Other Holding The holding section of the portfolio is displayed allowing you to input additional holding information Holdings Date 09 12 11 03 16 PM Name lt New gt Asset Type 7 Percentage 0 00 Current Price Pence 0 000 Investment Status Current Gel To remove a holding from the portfolio click the red cross to the right of the holding Additional Portfolio Actions A number of additional Actions are available from the target asset allocation and holding panels Import Holdings from Import Holdings and Percentages from Clear All Switch Add Other Holding View Fund Dashboard
79. rid and selecting Pin all clients To only view pinned clients in the results click on clear unpinned at the bottom of the search results Create New Client To create a new client click Create New Client You can then enter the client s details create portfolios and add holdings DEN Szen Home lent scar Home Client Search New Options O Help Contact Us O D D Online 2 Research Funds amp Print v Delete e Client Info Personal Details Portfolios Title New First Name Surname Date of Birth 01 08 2011 X Next Review Visit D Client Status v Adviser Louise Gilmour X J gt Portfolios Don Systems Page 31 Clients s u ljJ Investments Profiler User Guide v9 O I t tsProfil nvestmentsrrorier The Portfolios panel allows you to create a portfolio including Portfolio Details Asset Allocation and Holdings Click the Create New button in the top right of the Portfolios panel v MrT Raining Portfolio Portfolio Details Reference Mr T Raining Portfolio Comments Model Not Selected dr Benchmark FTSE AllSh TR GBP z Portfolio Status Current X Next Review Current Value 0 00 You can create a target asset allocation for the portfolio and add holdings if required To input a target asset allocation click on Asset Allocation v Asset Allocations Add Or Edit Target Asset Allocations Tier i Tier 2 Tier 3 Allocation v
80. rrent Sumana Chowbene 30 10 1974 7 108 44 Current Michael France 20 01 1950 24 01 2012 8 627 97 Current Matt Jones 20 01 1956 26 12 2011 40 000 00 Current Matt Jones 18 06 1977 25 12 2011 199 10 Current Michael Mcquillan 20 10 1961 01 12 2011 79 415 60 Current Matt Jones 25 06 1972 03 04 2012 104 056 57 Current Andrew Ramsbottom 0 00 Current Louise Gilmour 06 02 1965 74 49 Current Simon Deighton 20 02 1974 25 12 2011 2 875 99 Current Matt Jones 19 04 1977 12 06 2012 100 000 00 Current Paul Ravenscroft 30 05 1967 23 12 2011 39 927 78 Current Matt Jones 33 232 78 Current Graham Miller 01 01 1980 01 06 2012 98 321 28 Current Louise Gilmour 10 08 1943 25 12 2011 8 627 97 Current Matt Jones 18 06 1977 100 78 Current Michael Mcquillan 07 02 1977 25 12 2011 2 399 80 Current Matt Jones v Clear Unpinned You can quickly find a Client by entering text into the search box or applying various filters then clicking the search icon F Louise Gilmour Online You can also load or save a client search by clicking on the save icon v Filters Adviser Louise Gilmour Manage Searches 2 x Next Review Date v Save The Current Search ddi MM yyyYy x e Not Selected 7 __ Save the current grid layout with this search Not Selected 7 Save gt Load A Saved Search Status None Selected 7 z l J Page 30 Systems Investments Profiler User Guide v9 OG InvestmentsPro
81. s into investment analysis and portfolio construction Religious Focus These funds use religious teachings principles or values as a stock screening tool Funds with this tag have a focus on moral principles when considering investment decisions Sharia Focus These funds focus on compliance with Islamic law for investment practices Under Islamic law there are rules that govern the payment of interest and fees etc Exchange Traded Fund ETF ETFs are hybrid instruments combining aspects of investment trusts and unit trusts and offering many the benefits of both ETFs are products that trade like shares on the London Stock Exchange They mimic stock market indices and are passively managed just like an index fund The charges levied on these types of investment are relatively low compared to that of a traditional mutual fund making them a very attractive investment vehicle Exit Charge A fee or sales charge imposed when investors sell shares in certain unit trusts or other investment vehicles The amount tends to decrease the longer you hold the shares often to nothing after a set period of time i e three or five years This is typically designed to discourage investors from withdrawing their money too soon Fees amp Expenses The average fees and expenses for all funds in the portfolio Financial Services Authority FSA The City s leading financial regulator It is responsible for policing the financial services industry t
82. s is a common abbreviation for the FTSE 100 a stock market index based on Britain s 100 biggest companies Other indices in the FTSE family include the 350 and the All Share FTSE 100 An index comprised of the 100 largest companies by market capitalisation on the London Stock Exchange FTSE 250 An index that measures the share price performance of medium sized British companies The next 250 largest firms after those in the FTSE 100 FTSE 350 An index that measures the share price performance of the 350 largest British companies A combination of the FTSE 100 and FTSE 250 FTSE All Share Index An index the measures the share price performance of the 900 largest companies on the London Stock Exchange Fund Company The investment group which manages and distributes the investment fund Systems Page 53 Glossary Asesso 5 Investments Profiler User Guide v9 O InvestmentsProfiler Fund Manager An individual employed by a fund company who is responsible for managing a fund s portfolio Where there is more than one manager of a fund the information of the lead fund manager will be displayed Fund Objective A fund manager s stated goal for the money invested in his fund such as capital growth or steady income flows to investors Also Known As Investment Strategy Fund of Funds A fund that specialises in buying shares in other funds rather than individual securities Fund of Funds Fettered and Unfettered Fet
83. st Three Months The best three months represents the highest total return a fund has achieved in a consecutive three month period The worst three months represents the lowest total return a fund has achieved in a consecutive three month period Both figures are calculated using all monthly performance data for a fund available In most cases this will be since the funds launch date Beta This is a measure of the volatility of the fund relative to its benchmark A figure greater than 1 indicates that the fund will tend to outperform in a rising market and under perform in a falling one l e is more volatile than the market The reverse applies to a Beta of less than 1 Bid offer spread fund The difference between the bid price the price at which units or shares are sold back to the fund manager and the offer price the price at which they are bought from the manager Fund management companies use this difference to pay dealing costs stamp duty and for their profit margin Blend Stock A blend stock is one which lies between growth and value stocks Bond An IOU issued by a company or the government GILTs During the life of the bond the bondholder receives regular interest payments based on the coupon rate On maturity the loan is repaid Certain exceptions apply such as zero coupon bonds which provide no interest payments but are issued at a discount Page 46 Systems Investments Profiler User Guide v9 O Investments
84. t below which aspects of the Model Portfolio you would like to import _ Asset Allocations _ Holdings To import target asset allocations and holdings in the portfolio area click the actions button in the top right corner of the relevant panel and click import You can then select client or model target asset allocations or holdings to import to the current portfolio v Asset Allocations Add Or Edit Target Asset Allocations Import Assets From d Client gt Tier 1 Tier 2 Tier 3 Balanced Model Portfolio Model gt fp e Cautious Model Portfolio Allocation Moderate Risk Asset Allocations Selected EEN Fixed Interest Any Risk Level 2 Equity Any Risk Level 3 Cash Any Risk Level 4 Risk Level 5 Test Portfolio Training When in the Portfolio search area or in a Portfolio you have the option to add a portfolio to a client Please note that the client must be open to do i gee this Click on the Portfolio you wish to add click the Add Portfolio to Client 1 reen Select the client you d like to add the portfolio to below button which has now become available v Clients Mrs Training Client Systems Clients Investments Profiler User Guide v9 O InvestmentsProfiler View Edit Existing Client To view or edit a client select the desired client and click the Client Info button Once open you can edit the client details The system automatically saves any changes
85. tered means that the fund of funds is restricted to investing only in the internal funds run by the same fund management group An unfettered fund of funds can invest in funds from any management group Fund Size The total value of the investments held in the fund s portfolio In Funds Profiler the value of the overall fund is displayed not the size of the individual share class Fund Switching The transfer of money from one fund to another within an investment product Fund Type The fund type tells you whether the fund pays out the income it generates labelled inc income or accumulates it in the fund labelled acc accumulator In Investment profiler these are labelled as income inc and growth acc Also Known As Income Status Distribution Status G Gilts A UK government issued bond Because a Gilt is guaranteed by the government it is generally one of the safest investments in the UK Global Fund A fund that invests in UK and international shares or bonds Growth Stock A stock with a low price to earnings ratio but high Earnings per Share EPS growth Page 54 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Healthcare Proportion of portfolio invested in biotechnology pharmaceuticals research services home health hospitals medical equipment and supplies and assisted living companies Examples include Fresenius Aventis and GlaxoSmithKline H Hedge Fund A portfolio which
86. the year which end on the following four dates e 31st March e 30th June e 30th September e 31st December systems Page 61 Glossary Asesso 9 Investments Profiler User Guide v9 O InvestmentsProfiler Quartile Rank Quartile rank gives a summary of how the past investment performance of a fund over a given time period has compared to other funds in its sector Funds receive a rank of 1 to 4 with a rank of 1 representing the best performing funds in a sector R Retail Price Index RPI A measure of inflation This index tracks a basket of the goods and services such as clothing food household goods and medical care purchased by an average consumer R Squared R2 This is a measure of the percentage of fund s movements that can be accounted for by changes in its benchmark index An R squared of 100 indicates that fund s movements are perfectly correlated with its benchmark A low R squared indicates that little of the fund s movements can be explained by movements in its benchmark index S S amp P 500 A stock market index which represents the performance of 500 of America s largest companies Sector Average Performance Where sector average performance or risk statistics are displayed in a panel this represents the average of all funds which belong to the same sector as the fund belongs to Share Class Type Share classes are different versions of the same fund Different share classes usually have the same
87. tions QQEB Target and Current Variance aJa fa 3 2 Fixed Interest 50 i Fixed Interest 50 50 d 1 2 Percentage Difference 3 4 Cash 25 Equity 25 5 v Holdings Don Page 40 Systems Investments Profiler User Guide v9 O InvestmentsProfiler A Rebalancing Report can be printed to support and help explain any changes you make to a portfolio To print the Rebalancing Report click the Print button at the top of the screen A list of available reports in PDF format will be displayed Clicking on the report will open the document and from here you can print by clicking the print icon or save it to a file by clicking on the save icon If you decide to rebalance the portfolio and the task has been completed with the provider you can adjust the holdings to reflect the new asset allocation To edit a holding select the desired holding and click Edit in the top right of the panel To remove a holding click on the red cross to the right of the holding Additional Client Actions A number of additional Actions are available from the portfolio panel Portfolio Switch Places the currently selected fund holdings into the fund search results table to allow further analysis research or comparisons Portfolio Comparison Where two portfolios are selected the system will compare the two portfolios in a number of panels Reports To view the reports available in this area cli
88. u can then enter the portfolio details create a target asset allocation research and add holdings F e Mata O O gt Jon Bunkell 13 01 2012 Home Portfolio Online Research Funds View Portfolio in Portfolio Search amp Print v Portfolio Info Portfolio Details Divine he Asset Allocations gt Asset Allocations Holdings gt Holdings To input portfolio details click portfolio details v Portfolio Details D Reference Comments BenchMark FTSE AllSh TR GBP Gel Portfolio Status Current Z Advisor Louise Gilmour X Next Review 07 03 2012 You can create a target asset allocation for the model portfolio and add holdings if required To input a target asset allocation click on Asset Allocation v Asset Allocations Add Or Edit Target Asset Allocations Actions 4 gt Tier 1 Tier 2 Tier 3 Allocation a M d 0 00 Add Allocation Asset Allocations Selected Use the drop down boxes to select an asset class There are three tiers of asset class and you can choose to be more specific within each class if appropriate E g Equity in the first tier UK Equity in the second tier Small Mid or Large Cap in the third tier Input the percentage of the portfolio that this applies to and click Add Allocation v Asset Allocations Add Or Edit Target Asset Allocations Actions 4 Tier i Tier 2 Tier 3 Allocation Fixed Interest Z Global Fixed Interest Gel Any v 40 00 Add Alloc
89. ubmit lI Cancel Home Screen The home screen allows you to access various areas of the system including the three main areas Dashboard Research and Clients Pen gt O amp M Profiler x Q O amp M Systems Home Jon Bunkell 12 01 2012 e Home Messages 1 D Options O Help O b Online v Home gt Dashboard gt Research gt Clients System Navigation The system has been designed with ease of navigation in mind When you select a section a tab will appear indicating which area you are in The tab you are currently in will be blue and the others will be grey You can access another tab by simply clicking on it or close it by clicking on the X in the right corner of the tab Below the tabs you will see the route you have taken to arrive at the area you are currently in O amp M Profiler S_OGM Systems agree I sie ae 8 n G Jon Bunkell Wl Home Fund Information Aberdeen Multi Mgr Constellation R Acc Fund Overview Default Messages 1 O Options O Help O m a ey a Gegen RE ja Online l Manage Fund Dashboard e Research Funds amp Print e O amp M Investments Profiler User Guide v9 OG InvestmentsProfiler Dashboard Introduction The Dashboard allows you to set up information you would like to see on a regular basis This could include information such as clients due for review or reports you have recently accessed Alerts can also be viewed such as Fund Alerts
90. underlying portfolio but there will be slight differences in things such as charges the treatment of income and the minimum investment amount The primary share class filter is a way of identifying one share class per fund to make your fund searches more manageable In most cases the primary share class is selected at the discretion of the Fund Management Company Where the fund management company has not provided a primary share class we use the oldest open share class of the fund Share See Equity SEDOL Pronounced See Doll SEDOL stands for Stock Exchange Daily Official List number It is a seven digit European security identifier number Page 62 Systems Investments Profiler User Guide v9 O InvestmentsProfiler Sharpe Ratio This is a risk adjusted measure developed by Nobel Laureate William Sharpe The Sharpe Ratio is a way of showing how much return a fund has received for the risk it has taken The higher the Sharpe Ratio the better the fund s historical risk adjusted performance Mathematically speaking the Sharpe Ratio is calculated by dividing fund s excess returns over the risk free rate by the standard deviation of fund s excess returns Short Position The short position of an asset type in a fund represents the percentage of overall fund assets that the fund manager has invested in holdings that will increase in value when the underlying asset decreases in value Examples of short positions include short se
91. ve discussed the changes with your client Proposed funds will appear in the Holdings panel as proposed until authorised systems Page 39 Clients WEIT Investments Profiler User Guide v9 OG InvestmentsProfiler Rebalancing A Client Portfolio Over time the asset allocation of a portfolio becomes out of line with its target asset allocation and you may wish to rebalance the portfolio Investments Profiler allows you to review the current asset allocation of your clients portfolio against the target asset allocation and determine if you need to rebalance the portfolio r Home Portfolio Risk Level 1 Demo Messages 1 O Options O Help O Research Funds View Portfolio in Portfolio Search e Print se Delete Asset Allocations Target Asset Allocations OSes Current Asset Allocations Hoc Fixed Interest 50 Fixed Interest 51 98 _ _ Other 0 33 Unknown 025 H Cash 25 l Equity 25 a aia L Cash 27 14 Open the portfolio you wish to review Click the two opposing arrows in the top right of the Current Asset Allocation chart The screen will rotate and display a Target and Current Variance chart detailing how overweight and underweight the portfolio is in each asset class in percentage terms T Home Portfolio Risk Level 1 Demo Messages 1 O Options O Help O Research Funds View Portfolio in Portfolio Search e Print e Delete v Asset Allocations Target Asset Alloca

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User Guide - O&M Systems