Investment Advisory Service

investment advice

A dedicated Harvest consultant will be appointed to handle your portfolio and to deal with any queries you may have. Once your portfolio is up and running, you will receive an update on a regular basis, and you will be encouraged to keep the consultation process going by way of regular contact with your consultant. We operate on a transparent charging basis, with all costs affecting your investment being fully disclosed before you invest. Harvest is a fee based adviser.

On our first meeting with you, we undertake a rigorous analysis of your needs and objectives, taking account of:

  • Your attitude to risk

  • Your expected investment term

  • Your income requirements

  • Your liquidity requirements

  • The disposition of your current assets

Asset allocation

Deciding on what proportion of your portfolio is invested in each of the asset classes is known as asset allocation and is a critical element of portfolio building. The recommended ranges for the four primary risk categories of investor are:

How to invest your pension


We have decades of in-house investment expertise and a thorough understanding of the important asset classes which can be summarised as follows:


Equities refers to shares of companies which are quoted on a stock exchange. This asset class will represent the single most important asset class for most investors. While equity markets move in unpredictable cycles and can go through highly volatile phases, they have consistently delivered strong returns to investors over the long term. We recommend investors seek exposure to equities via pooled structures rather than direct shares;


Bonds are issued by governments, public sector bodies and companies and the vast bulk are essentially loans offering fixed rates of interest and predetermined maturity dates. While bonds have traditionally been viewed as low risk, this is not necessarily the case and the level of risk is down to the financial strength of the issuer. As with equities, we favour pooled structures over direct bond purchases;


Property is an important asset class which has delivered very attractive returns to investors over the longer term. There is a very wide range of options available to investors seeking exposure to property but investors should be aware of the additional risks associated with liquidity and gearing in relation to this asset class;



The term commodities refers to a wide range of items from oil to base  metals  (iron  ore,  copper,  zinc, etc.) to food materials (wheat, soya, pork bellies, etc.). Commodity prices can be very volatile and as a result can be high risk for investors not familiar with the underlying markets;

Private Equity:

Private equity refers to investment in companies not listed on a stock exchange. Unlisted shares and funds are generally seen as high risk due to poor liquidity and the commercial uncertainties associated with smaller businesses;

Absolute Return Funds:

Absolute return refers to returns that are independent of the direction of the underlying  markets  in  which the funds are investing. Through exposure to the right funds, investors can achieve a more stable lower risk return than might be achieved via the more traditional asset classes;

Other Investments:

This is a catch-all title which includes investments like precious metals (gold, silver, platinum, etc.), currencies, renewable energy, forestry as well as lower risk options such as structured products. Each of these alternative asset classes will have particular characteristics which should be carefully appraised prior to investing;  and


For liquidity purposes, as well as for risk management reasons, cash will always form a part of any investment portfolio.