Frequently Asked Questions

What is a Model Portfolio?

A Model Portfolio is an investment portfolio that Financial Planners will typically use to execute client’s financial planning strategies; normally this will be within an investment product, such as a Pension, Investment Bond, or Investment Account.

For example, (in the UK), this might be a portfolio of collective funds that invest globally across stocks and bonds within a pension plan; whose objective is to build a fund that the client can draw an income from in retirement, when they cease work.

Are You Truly Bespoke?

Yes, 100%, we are a truly bespoke independent business.

In fact, we have always worked this way since 2011.

Unlike some of generic MPS providers who might swap out a fund here and there and claim to be bespoke, we have the skill set, resources and experience to provide a truly bespoke Model Portfolio Solution and Service.

All our solutions are built from the ground up, and in alignment with any network or compliance requirements.

Are You Regulated?

We execute the service through the regulatory permissions of the Financial Adviser, providing technical support and guidance ( this is similar to how a Paraplanning Service, or third-party research partner might work).

This approach gives us the flexibility to offer a personalised and bespoke solution at cost-effective price.

Our ethos is to invest our time and money into resources and developing skill set, so we can deliver a high value product to you.

How Much Does it cost?

Fees range from c. £750 to £1,000 per month. This is paid as a retainer fee, set up as a direct debt from your bank account.

Th first year has a minimum 12-month subscription, with a 3-month cancellation period thereafter.

How our Fees Compare

Typically, the average UK Model Portfolio Manager fee is around 0.19% per year, where as our fees are between 0.05% to 0.06% for a firm with £20m Assets Under Management; saving potentially your firm a whopping £26,000 to £29,000 per year relative to the average MPS manager fee.

MPS fund fees vary and normally Advisers have a target range in mind, but typically we build portfolios with fund costs around the 0.15% to 25% range (for a hybrid, passive active solution, with a factor overlay).

Overall, the total average MPS fees in the UK come in around c. 0.46% (before advice and product costs), and we generally expect to come in around 0.21% to 0.31% overall for our service; so great value for money and lots of headroom for your Advisory Fees.

I have an existing MPS can you Help me manage this?

Yes.

In fact, we manage existing MPS solutions and can also build news ones as required; in fact, our clients are a mix of new builds and existing models.

What Types of Model Portfolios can you Assist with?

All types

Be this smart beta, active, passive, income, hybrid, ESG, factor et al.

We have the knowledge and skill set and long run experience (of more than 15 years, managing all types of Adviser Model Portfolios across all market regimes for which their clients have been grateful for).

If you want an MPS, but you are unsure where to start, then we can help you with this as well.

I Have Never Heard of 451 Analytics?

Don’t worry, we its most likely we have never heard of you either.

451 Analytics is a new launch boutique firm with a rich heritage.

Our founder and lead analyst, Glyn Chetwynd has worked behind the scenes managing investment portfolios for UK Financial Advisers since 2004 (across a very wide range of markets, from the 2007 financial crash, to the 2022 inflation bond and equity blood bath and more).

At 451 Analytics, we have worked on all portfolio types over this time, for a wide range of adviser firms (small and big alike).

Typically, we have historically worked within the UK, but we are an international business and expanding globally, seeking new opportunities working with International Advisers, in Europe, the Middle East, Asia and South America.

Overall, we are not trying to offer a mass market, generic 'burger chain' MPS solution, but a personal boutique investment service, at a great price.

We put our clients, our own technical development and client stewardship first. We value building strong client relationships and delivering great client outcomes.