Wealth Management
Two ways to be invested
A single relationship, two routes to managing your capital: a discretionary mandate run by our investment committee, or advisory support where the decisions remain yours.
Wealth management is the centre of the relationship at Riesant. Whether you delegate day-to-day investment decisions to us or retain them yourself, the work begins the same way: a clear understanding of your circumstances, your objectives and the level of risk you are prepared to take. Every recommendation is suitability-tested under MiFID II, and our open-architecture approach means we select instruments on merit rather than on any commercial relationship.
You are supported by a named relationship manager who coordinates the wider relationship and a dedicated investment adviser who owns the portfolio conversation. We report and review quarterly, and we are reachable in between. The structure is deliberately personal and stable, so that the people who know your situation are the people you speak to.
Capabilities
What this includes
Discretionary Portfolio Management
Our investment committee manages your portfolio within an agreed mandate, making and implementing decisions on your behalf.
Investment Advisory
You retain control of every decision while we provide suitability-tested recommendations and ongoing portfolio oversight.
Portfolio Mandates
Six standing mandates from Capital Preservation to Equity-Focused and Sustainable, or a bespoke mandate built to your specification.
Wealth Planning
We frame your portfolio within your wider financial picture, coordinating with your tax and legal advisers rather than replacing them.
Portfolio-backed (Lombard) Lending
Liquidity raised against your invested assets, so you can meet a need without disturbing your long-term positioning.
Choosing your route
Under Discretionary Portfolio Management, you agree a mandate with us and our investment committee manages to it — selecting positions, rebalancing and acting on opportunities within the boundaries you have set. It suits clients who prefer their portfolio to be actively maintained without their day-to-day involvement.
Under Investment Advisory, the decision always rests with you. We bring research, recommendations and a continuing view on your holdings, each one tested for suitability before it reaches you. Some clients run one route across their whole portfolio; others combine both, delegating part and directing part.
The mandates
We maintain six standing mandates: Capital Preservation, Income, Balanced, Growth, Equity-Focused and Sustainable, the last managed to SFDR Article 8 or Article 9 standards. Each expresses a clear position on risk, return and time horizon, and each is implemented through open architecture with no retained retrocessions.
Where a standing mandate does not fit, we construct a bespoke mandate around your specific constraints — concentrated holdings, currency preferences, exclusions or liquidity needs. In every case the mandate is the agreed framework against which we manage and report.
How we report and review
You receive formal reporting each quarter, covering performance, positioning, transactions and costs in plain terms, and your investment adviser conducts a review against your mandate and objectives. These are working conversations, not formalities, and they are the moment to revisit your circumstances as they change.
Questions, answered
What is the difference between discretionary and advisory?
Under a discretionary mandate, our investment committee makes and implements investment decisions within the boundaries you have agreed. Under advisory, we recommend and you decide; nothing is executed without your instruction. Each recommendation is suitability-tested under MiFID II either way.
Can I borrow against my portfolio?
Yes. Portfolio-backed, or Lombard, lending allows you to raise liquidity against your invested assets without selling them, which can preserve your positioning and any associated tax consequences. Terms depend on the composition of the portfolio; your relationship manager can outline current parameters, and indicative rates are shown on our rates page.
Who manages the relationship day to day?
Each client has a named relationship manager who coordinates the wider relationship and a dedicated investment adviser responsible for the portfolio. You will deal with the same people over time, supported by the investment committee on discretionary mandates.
How does the Sustainable mandate work?
The Sustainable mandate is managed to SFDR Article 8 or Article 9 standards, depending on the objectives agreed with you, and applies the same open-architecture, suitability-led discipline as our other mandates. We will explain the classification and what it does and does not imply before you commit.
Related
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Lending & Credit
Considered credit for established clients, structured around the balance sheet you already hold and the timing of the decisions in front of you.
Begin a conversation
Speak to a relationship manager
Tell us a little about your circumstances and we will arrange an introduction — discreetly, and without obligation.