Tel : 0330 113 1003                                                                                 Email : enquries@mamuciumcapital.co.uk

WELCOME TO

MAMUCIUM CAPITAL

INDEPENDENT FINANCIAL ADVICE. PROFESSIONALLY DELIVERED.

LIFE-CENTRED FINANCIAL PLANNING | WEALTH MANAGEMENT | INVESTMENT EXPERTS

Let's Start With You

You'd like to simplify your financial life.

Like some of our existing clients, you may be a serial entrepreneur who has built up and sold a number of businesses. Alternatively you may have acquired capital over time or through a life event or from a successful career. 

As a custodian of wealth you want to continue funding your existing lifestyle, support your family and pass it on to the next generation, in the best possible way.

You welcome and recognise the value of expert advice and professional business relationships. 

You want to feel both excited and reassured about your financial future.

You want to be able to relax about your money and focus on what's really important to you.

You earn more than £100,000 a year. Or you own investable assets (including pension) of £1,000,000. 

If this sounds like you and you'd like to know more about becoming a client, we'd love to meet you and hear about you and your story.

Let's Start With You

'Guide to Life-Centred Financial Planning!'

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How We Can Help You

Discover how much money you really need during the course of your lifetime.

Life-Centred Financial Planning

Life-Centred Financial Planning

Life is not a dress rehearsal, we only get one go at it so we see our role as being one to help you experience the best life possible with the money that you have. We work with you as partners to understand what you want to achieve in life, putting in place the financial building blocks to enable you to enjoy a fulfilling life.

Wealth Management

Wealth Management

Our approach to investing is about providing a successful investment experience. That means more than considering investment returns. It means offering peace of mind knowing that a transparent approach backed by decades of Nobel Prize winning research and academic evidence is powering every decision. 

Personal Finance Portal (PFP)

Personal Finance Portal (PFP)

Our Personal Finance Portal (PFP) enables you to view your fund information and financial portfolios at the click of a button. So whether you’re looking for an up-to-date valuation of your portfolio, want to assess how you’re progressing against your goals or simply wish to get in touch, PFP has it covered.

'Our Client Agreement/Terms of Business!'

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HOW WE WORK

The six core values in our Life-Centred planning model are as follows :

A Life-Centred Approach

A Life-Centred Approach

Some of our clients need help getting their financial life organised, most need education and help making good decisions, others need help to uncover what a life well lived looks like for them, and expertise to pull that together into a plan, and many need regulated advice. We bring all of these elements together.

Organisation

Organisation

We will help you get your financial house in order. We will provide for your lifetime income and expenditure needs and your tax planning, investments, protection and estate planning.  We provide you with access to our Personal Finance Portal (PFP) so you can view your finances online 24/7/365.

Accountability

Accountability

We will help hold your feet to the fire of your STATED best intentions. We help you follow through on your commitments by working with you to prioritise your goals, show you the steps you can take and regularly review progress towards achieving them. 

Objectivity

Objectivity

We provide insight to help you avoid emotionally driven decisions in important money matters. We are available to consult with you at key moments of decision making, doing the research to ensure you have all the necessary information at hand.

Proactivity

Proactivity

We will work with you to anticipate your life transitions and to be financially prepared for them by regularly assessing what is coming and creating the action plan to address and manage these life transitions ahead of time.

Knowledge

Knowledge

We explore the specific knowledge needed for you to succeed by first thoroughly understanding your situation, then providing the resources to help with your decision making. We explain the options and explore the risks associated with each choice, both intellectually and emotionally.

'Our Investment & Supplier Proposition'!

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Independent. Ruthlessly client focused.

Our Investment Process

Mamucium Capital takes great pride and care when dealing with our client's hard earned money and we believe it is important to maintain a strong robust methodology. That is why we ensure that our Investment Process is well documented and one that we adhere to and rigourously follow. Our Independent Investment Committee provides the expert oversight and due diligence to complement our advice proceses and a clear structure to evidence the processes followed in making our investment recommendations. The Independent Investment Committee sets the Strategic Asset Allocation (SAA) for each risk profile, designed to provide an optimum investment strategy for clients based on long term investing and Modern Portfolio Theory.  

Attitude to risk questionnaire

We deploy a two stage process to determine your agreed risk profile. First we assess your attitude to risk by obtaining your ‘natural’ Risk Profile through the completion of the Oxford Risk psychometric questionnaire. Oxford Risk is a spin-out company of the University of Oxford, offering behavioural finance software solutions for investor risk profiling. We then hold an in-depth discussion to reach an ‘agreed’ Risk Profile. During our discussions we review your natural risk profile, your capacity for loss as well as your required returns. We demonstrate the differences between the risk profiles and projected probable returns including associated volatility. Our aim is to help you make the best decisions for your investments.

Independent Investment Committee

Our complete Centralised Investment Process (CIP) is backed up by our expert, Independent Investment Committee. Their responsibilities include designing and monitoring our propriety Strategic Asset Allocation (SAA) model specifically for the challenges of generating capital growth and providing income. The committee works to the best of its ability to ensure the asset allocation is appropriate to deliver the expected client outcomes of the risk profiling and financial planning process. The committee meets every quarter or as required under exceptional circumstances. The committee reviews the appropriateness of the long term Strategic Asset Allocation, recent performance of investment solutions vs Strategic Asset Allocation and potential impacts on alignment with risk profiles, a review of material actions implemented since the last quarterly report and identify any potential issues or actions for future meetings.

Model likely outcomes

Asset class returns are generated from the Economic Scenario Service (ESS). ESS is a collection of mathematical models used to generate thousands of random, but plausible, scenarios of economic and financial variables (such as interest rates and stock market returns) at future time horizons. The model is supported within the wider Insights & Analytics team of 99 people, with a dedicated team of 8 people comprising actuaries, financial economists, model architects and developers. Our modelling is powered by Moody's Analytics and Hyman Robertsons' stochastic engines, which look at over 5,000 seperate economic scenarios which in turn generate over 50,000 random portfolios to present the most likely investment outcomes.  This modelling is compliant with Technical Actuaries Standard (TAS 100).

Our Evidence-based Model Investment Portfolios

As part of the Investment Solutions made available through Mamucium Capital Investment Services, we offer our own range of low-cost Evidence-based investment solutions. We have independently constructed our model portfolios using our Independent Investment Committees’ Strategic Asset Allocations for each of the risk levels. We review all of our investment solutions against a set of criteria that includes performance over 1, 3 & 5 years compared against the benchmark, annualised volatility versus the expectation of risk profile, costs and charges of the funds and fund manager tenure, experience, philosophy, objectives and experience.

WE CREATE A SUCCESSFUL INVESTMENT EXPERIENCE FOR YOU

'Our Strategic Asset Allocation (SAA) Methodology!'

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'Our Independent Investment Committee!'

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Independent Financial Advice

As independent financial advisors, we are uniquely placed to give you truly independent financial advice. We have no financial conflict of interest in selling products, increasing investment transactions or modifying portfolios. 

We have a strong incentive to minimise your costs and maximise your account value, since our fees can grow only if the size of your account grows. Our pricing structure is based around the value we deliver, not the time we spend providing services. We only use investment funds, custodians and financial products which are commission free and always negotiate with product providers to reduce costs where possible. This leaves more money with you, not the funds managers or providers. We don't charge for trading or rebalancing. All fees, expenses and transaction charges are fully disclosed and clearly accounted for.

Partners We Work With

As independent financial advisors, we're free to choose from an unlimited number of product providers, investment portfolio options, funds, strategic partners and qualified professionals. The strategic partners we work with provide access to leading economic research and portfolio expertise. They also provide better targeted funds, in more desirable portions of the world's markets, than those available to retail investors. The qualified accountants, lawyers and other professionals we recommend are known, trusted and leading practitioners in their specialised fields. Where required, we can create an integrated team of expert professionals who talk to each other and work well together, with your interests at the heart of everything they do.

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