Fledgling Investor Guide

Killik & Co is one of the leading advisory stockbroking firms in the country. However, we don’t just buy and sell shares for our clients. We offer a range of services that cover everything from looking after your investments today to planning for your financial prosperity in the years ahead. And we do it all in a very Killik & Co way, building a personal one-to-one relationship with you, getting to know you and understanding your hopes and ambitions. It’s a way of doing business that is unmistakably Killik & Co.

You can easily buy and sell stocks, shares and unit trusts on your own but then you are just that, on your own. With us you get the benefit of our knowledge, our experience and our extensive research.

Absolutely. Our services are presented to you like a menu. Which services you choose will depend largely on how much involvement you want in the day-to-day running of your investments.

At Killik & Co we have clients at every level, from young, first-time investors to wealthy, experienced investors. We believe the opportunities the markets offer should be open to all.

Many people still think of stockbroking as a service for the wealthier, more mature investor. At Killik & Co, nothing could be further from the truth. With us, everyone can explore the potential of the markets in their own way, with the assistance of their own personal Broker.

Unlike an execution only service (one where you buy and sell on your own) advised stockbroking offers you a number of valuable benefits. Obviously there’s our knowledge to guide you. There’s also the access to quality independent research, information that can better inform your decisions.

Then there are our dealing skills, the knowledge you need to commit to a trade at the right time, the understanding you need to leave limits and the confidence to challenge the market in less liquid securities. All this means even first time investors can approach the markets better prepared.

Setting up an account with us is very straightforward. Together with your Broker, you can discuss a level of service that suits your requirements. The type of service you choose will depend upon the level of involvement you wish to have in managing your investments, the complexity of your requirements, your attitude to risk and the value of investments that you wish to make.

Advised Dealing: Allows you to buy and sell acting, if you so choose, on our advice or recommendation, You are always the manager of your portfolio.

Advised Portfolio: Whereas Advised Dealing is simply about single transactions, Advised Portfolio looks at the balance of your portfolio as a whole.

Trading Services: This is for the more sophisticated investor; someone who watches the markets and wants to look at facilities like leveraged investment.

All the services we offer at Killik & Co largely divide into two main categories – Advised Services and Managed Services. Which ones you choose will depend on how much involvement you want in the day-to-day running of your portfolio. Advised Services provide advice and support and leave you to make the decisions, which we will then implement. Managed Services, on the other hand, require your agreement on a given strategy which we will then manage for you, reporting progress to you on a regular basis.

You can mix and match, placing some of your portfolio under management and keeping some in our Advised Services. As always your personal Broker is there to discuss the options with you.

Should you choose Managed Services you have a number of further options. Firstly you can choose between having your portfolio managed either by one of our Brokers or by one of our specialist teams at Killik Asset Management (KAM).

If you choose a Broker to manage your money, you have the option of either Discretionary Stockbroking or our Managed Portfolio. As a final option your portfolio could be managed by one of our specialist, high calibre investment teams at Killik Asset Management (KAM) with your Broker assuming the role of relationship manager.

Once again, it is possible to split your portfolio allocation between our Broker and KAM services.

Managed Services obviously require a higher level of input from us and are therefore generally only suitable for portfolios in excess of £100,000. However, should you want to consider a Managed Service, and have less than £100,000 to invest, you may want to look at KAM Multi-Manager with an entry threshold of just £7,000.

Financial planning allows you to use the financial opportunities you may or may not know you have to your full advantage. It is all about maximising your earning potential and minimising your tax burden so you and your family can live more comfortably and enjoy the years ahead.

The optimum way to start planning is to take a long hard look at your current position, set out some clear objectives and seek professional advice.

Every Killik & Co client has a personal Broker and/or Financial Planner, someone they can talk to about their day-to-day requirements. Our Brokers have access to a number of specialist advisors in various fields. So we can source quality independent advice and information when you need it, across the widest range of fields, from tax planning and pensions to mortgages, wills and trusts.

Every plan we do for our clients is different. Each is tailored to the individual, taking into account their unique requirements for both their immediate and long-term futures.

The whole exercise is easy to follow, can be done at a modest cost and can be very beneficial, whatever your financial position.

This is a premium service for those who require a comprehensive analysis of all aspects surrounding their financial position, including all the issues outlined below. More...

We can help you with all aspects of tax, from planning how to invest with maximum tax efficiency to completing your annual return. More...

There are a number of specialist savings products available to help you and your family meet the commitments of private and state education. More...

We can help with new cover or advise on the effectiveness of any policies you may presently hold. Premiums can be adjusted to suit your personal circumstances. More...

With all the changes in legislation and the scare stories in the press, we can help you sort fact from fiction and help you build for your retirement. More...

It all starts with the drawing up of a Will. You can then make sure your wishes are carried out and issues like Inheritance Tax are sorted to your advantage. More...