Services

Asset Management

We aim to combine our extensive industry experience with a hands on investment process to drive outperformance and to deliver on your goals including purpose led investment. Dowgate Asset Management provides truly bespoke portfolios that are tailor-made to suit our clients’ aspirations. 

We understand that everyone’s financial circumstances differ, which is why our experienced  Asset Management team are on hand to provide you with advice on tailored solutions based on your future objectives, whilst understanding the levels of risk you are willing to take. This personalised approach will help to create a strategy to support your needs and objectives for the future. 

Alternatively if you wish to make you own investment choices, we offer a dealing service on an execution only basis, where you make your own investment decisions.  

Our fund managers are able to offer a light touch to a full ‘hand held’ service 

Meet Our Team

Portfolio Services

We offer a range of services from tailored solutions, using our vast knowledge and experience, to purely a trade execution platform

Discretionary Service

Our Discretionary Managed Service is designed for clients who wish us to carry out every aspect of portfolio management on their behalf. This allows you to hand over the day to day running of your portfolio to our experienced Wealth Managers who will monitor and make investment decisions on your behalf. 

Firstly we take the time to understand the purpose for your investment portfolio as well as your financial circumstances and attitude towards investments and investment risk. This enables us to expertly create customised portfolios and manage the portfolio in line with your financial aims and longer term objectives. 

On a regular basis Discretionary Clients receive: 

A valuation of your portfolio  
A summary of performance 
A comparison of the return measured against the appropriate index 
Transaction, cash and corporate action statements 
Tax year end schedules

Advisory Portfolio

If you are interested in the stock market but would like more support and guidance or are new to investing in stocks and shares, an Advisory Service might be more suited to you. 

Your investment advisor will ensure they understand your objectives, risk appetite and end goals and will help you to make informed investment decisions. However the final decision will ultimately be made by you. 

Execution Only

If you would like to take full control of your investment decisions, without the advice from our Investment Advisors, an Execution Only Service might work for you. 

Our dealers have access to multiple execution venues and are available to execute your trading instructions, with the aim of obtaining the best price possible. 

Managing your wealth

Our substantial reservoir of expertise and experience facilitates bespoke solutions to your service requirements

ISA

You can build your own portfolio of investments within a tax-efficient account, which means no tax is payable on the income or capital gains resulting from your investments. You can invest you ISA allowance into a variety of shares, fixed interest stocks, unit trusts and investment trusts.  For the 2024/2025 tax year, you can invest up to £20,000 into your ISA. 

Yes, an ISA is suitable for me

If you want to receive income free of tax and not pay Capital Income Tax 
If you understand and accept the risks of investing in stocks and shares 
You’re over 18 and a UK resident (for under 18’s, see Junior ISA’s)

No, an ISA is not suitable for me

If you do not understand or are uncomfortable with any type of market volatility  
If you have a short-term need for your money 
You’re not a resident in the UK

JISA

You can help with the financial future of your children with a Junior Stocks and Shares ISA. (“JISA”) Provided they are under 18, and working on the same principles as an ISA, you can build up a fund for your children in a tax-efficient way.  In the 2024/2025 tax year, you can invest up to £9,000 per child. Money placed in a JISA can be accessed once the child turns 18 and at this point it becomes a full ISA, subject to the adult threshold of £20,000. 

Yes, a JISA is suitable for my child

If you want to receive income free of tax and not pay Capital Gains Tax 
If you understand and accept the risks of investing in stocks and shares 
If you are comfortable for the investments to be in your child’s name 
If your child doesn’t already have a JISA and is under 18 and a UK resident

No, an JISA is not suitable for my child

If you do not understand or are uncomfortable with any type of market volatility  
If you have a short term need for the money 
If you’re not resident in the UK

Pensions

If you would like to have more flexibility with your Pension, a Self-Invested Personal Pension (SIPP) could be a more suitable option for you. Another alternative is a Small Self Administered Scheme (SSAS) that is a workplace pension scheme that is set up for a connected group. We would be able to support you in managing either schemes that you wish to explore.

Yes, a SIPPs or SSAS is suitable for me

We hold relationships with most of the major SIPP providers and can act as Investment Managers for you
SIPPs / SSAS are free from Capital Gains Tax
A tax efficient scheme on initial subscription
If you understand and accept the risks of investing in stocks and shares

No, a SIPP or SSAS is not suitable for me

If you do not understand or are uncomfortable with any type of market volatility  
If you already have a company scheme in place

Trusts

An ideal investment vehicle to retain control over assets gifted to a minor or for Inheritance Tax Planning. It is also a valuable tool in managing the investment of a vulnerable person. Trusts would need to be established with advice from your accountant or solicitor.

Yes, a Trust is suitable for me

If you would like to gift assets to your children or grandchildren but retain control until an appropriate time
Inheritance Tax Planning
If you understand and accept the risks of investing in stocks and shares

No, a Trust is not suitable for me

If you do not understand or are uncomfortable with any type of market volatility  
If you don’t have sufficient funds for the Trust to be financially viable
If you require short term access to the funds

Open an account with us today

If you wish to open an account with us, please click on the link below that will take you to our online application forms. If you need any assistance, please give us a call on 01293 517744 and a member of our team would be delighted to help.