Findlay Nicolson invests in several types of securities, but the majority of our clients are concerned with three main classes; stocks, fixed income and mutual funds/exchange-traded funds (ETFs).
These are the foundation of the majority of the portfolios we build here at Findlay Nicolson. They are versatile, liquid (easy to buy and sell) and the sheer number of companies whose stock trades on the various exchanges around the world means that every degree of investment risk is represented.
From grand, solid Wall Street blue chips that have paid dividends every year for half a century to the young social media startup seeking its first listing on China's Shenzhen Stock Exchange.
Stocks held over the medium to long term are also an excellent hedge against inflation. A client's portfolio will have a clear bias towards stocks if capital accumulation is a chief consideration.
Fixed income securities can include various assets like corporate bonds, certificates of deposit (CDs) as well as treasury bills & notes. Findlay Nicolson concentrates on corporate bonds and treasury notes/bonds which we buy/sell on behalf of clients using bond funds run by carefully selected fund managers. Your portfolio is more likely to be weighted with these securities if you are more concerned about preserving and/or receiving an income from existing capital.
Mutual Funds/Exchange-traded Funds (ETFs)
Mutual funds and exchange-traded funds (ETFs) are pooled investments that provide investors with a cost-effective way to invest in a variety of assets including stocks and fixed income when individual holdings are impractical. Some investors wish to track the performance of an index like, for instance, the Dow Jones Industrial Average or the NASDAQ.
Owning the individual shares of each company making up those indexes would be costly so buying a mutual fund or an ETF pools the capital of many investors and buys the stocks of the index's constituents. There are some key differences between ordinary mutual funds and ETFs and Findlay Nicolson's professionals can explain them in clear terms using jargon-free language.
There are many funds investing in everything from stocks and commodities to bonds and derivatives.