Transparent Valuations for Pension Savings

0207 549 7650   info@tamassetmanagement.com

TAM Workplace Pensions by TAM Asset Management

FAQs

TAM Workplace Pensions

Transparent Valuations for Pension Savings

TAM WORKPLACE PENSIONS

Investment Valuation Services in Workplace Pensions

A fully transparent investment valuation solution for the workplace member.

We believe that the working community should have the opportunity to have full transparency to their invested monies and follow their pension as it accrues over time. We proudly challenge the thesis that small values are less important. They are not. This straightforward online service enabling you to break down the barriers to understanding your investment and have in depth, transparent, 24/7 access to your invested pension.

WHY US?

Who is managing you money?

TAM Asset Management Ltd manages the monies inside your investment pot with its team of seasoned professionals. TAM Asset Management is authorised and regulated in the UK by the Financial Conduct Authority (no. 208243). and has been managing workplace pension monies for 5 years. TAM's administrative ability to manage, invest and ultimately report via its TAM Workplace Pensions portal is ground breaking.

How We Can Help You

TAM has partnered with key master trusts and auto-enrolment administrators to help employers navigate workplace pensions, including the provision of a complete investment solution. These solutions will give you access to TAM’s professional investment management across a spectrum of three portfolios encompassing Focus, ESG or Sharia investments options. Furthermore custody of client assets is with one of the worlds leading custody agents, Pershing Securities Ltd, part of the BNY Mellon Group.

The Portfolios And Performance

Our workplace pensions clients benefit from full portfolio transparency, in-depth delivery and reporting no matter what size the investment. Our Focus and ESG workplace pension clients also benefit from portfolios with a proven 5 year track record that have performed well against their benchmarks Long term performance possibilities are visible below

Variety of investment options

PORTFOLIO CHOICES IN DEFAULT SCHEMES

TAM Asset Management (TAM) manage three portfolio risk choices to investors in the default scheme. Depending on the members outlook TAM are willing and able to manage your money to a Focus Defensive, Focus Balanced, or Focus Adventurous mandate.

Focus Defensive and Focus Adventurous are currently being approved and will be available soon.

The diagram is for illustrative purposes only. The value of investments, and the income from them, may go down as well as up and may fall below the amount initially invested. Weightings may deviate from these levels at the Investment Team's discretion whilst staying within specific guidelines, so the above asset allocation is intended as a guide only.

 

CURRENCY

Investments are in Sterling but will have exposure, within the risk mandate to sterling, euros and dollars.

 

TWO ADDITIONAL NON - DEFAULT ACCOUNT CHOICES

ESG and Sharia are currently being approved and will be available soon.

TAM also offer access for those with an ethical inclination a Growth based ESG (Environmental, Social and Governance) investment portfolio option. The default schemes offered for management mentioned earlier are operating at a combined TAM charge of less than 0.5% pa. The TAM ESG Growth model will run with slightly higher charges as the managers feel that the investments available to provide return are slightly more costly and TAM does not want to compromise its performance targets by shackling to this tight charging structure.

TAM Asset Management has extended its ESG range to include religious ESG investments and runs a Growth Sharia investment portfolio. TAM has run Sharia portfolios for more than 5 years and is an industry leader, but like ESG portfolios the pricing is slightly higher than the 0.5% pa.

The OCF (Ongoing Charge Figure) for both ESG and Sharia Models are available to view in the factsheets for each portfolio type at the bottom of the page.

In the industry default schemes, and thus slightly lower pricing, are available for ESG and Sharia investment but TAM does not wish to compromise its investment diversification or investment positioning believing specialist areas need a wider remit of choice.


Complete transparency

24/7 ACCOUNT ACCESS
Our TAM platform offers 24-hour access to clients and their advisers. It allows instant consolidation of all your investments, real-time portfolio valuations, detailed analysis of investments, performance measurement and details of asset exposure.

BESPOKE REPORTS
You can obtain instant exposure analysis and asset allocation modelling information for every portfolio. Once logged into our secure website, you can access the exceptionally fast and efficient management reporting tools available.

Our investment platform allows for immediate and comprehensive internet based valuations, the “reasons why” each investment decision was made and urgent commentary – all in a comprehensive and understandable format.

With a few clicks it is possible to draw a full management report and have it delivered as a .pdf file instantly. This reporting package allows for you to choose the dates and style of your report and it is all available at the touch of a button.

Performance

Launched in 2015, the TAM Workplace Pensions performance here is a simulation of the return each fund would have gained, had it been held from 1st October 2015.

Source: TAM Asset Management. TAM Workplace Pensions fund return from 1st October 2015 to 30th September 2020 net of TAM fees. Figures quoted are simulated for illustrative purposes only, they are pro forma based on the assumption that the fund was held from 1st October 2015. Past simulated performance is not necessarily a guide to future returns. The value of investments, and the income from it, may go down as well as up and may fall below the amount initially invested.

The power of regular pension saving


Possible Monthly Contributions
YEAR
2% GROWTH
4% GROWTH
6% GROWTH
5 64,647 68,006 71,593
10 139,741 155,282 173,085
15 226,973 267,289 316,962
20 328,302 411,034 520,927
25 446,008 595,510 810,072
30 446,008 595,510 810,072
40 446,008 595,510 810,072

The financial markets do not always offer a smooth ride but investing regularly each month allows savers to build up their investments and can help to smooth out fluctuations over time.

For example, the illustration on the left shows how a monthly investment of £1,000 can grow when we assume certain growth rates.

The growth rates used in this report are purely for illustrative purposes and are not guaranteed. The actual growth rate will depend on the investment option selected and the performance of the underlying funds. Performance of the underlying funds is not guaranteed and your investment return may be lower than the contributions paid into the plan.

The illustrative investment values have been calculated assuming growth rates of 2.00%, 4.00% and 6.00% per annum. The three rates include a overall fee of 0.5% per annum plus a fixed monthly fee of £1.50. The three rates of return are industry standand and purely for illustrative purposes and do not represent upper or lower limits on the investment performance.

Focus

The Focus portfolios are the default priced Focus offering. This default product portfolio comprises risk graded investment portfolios invested in unit trusts, mutual funds, OEIC's, regulated investment funds and exchange traded funds (ETFs). TAM Asset Management seek managers whose aim is to outperform their respective markets. Asset classes you may find in this portfolio are Government and Corporate Debt, Equities, Absolute return, property, commodities as well as cash. classification. Three Focus risk graded portfolios are offered, Defensive (low risk to equities), Balanced (medium risk to equities) and Adventurous (Higher risk to equities). Factsheets for these default priced products are available below for review. FOCUS portfolios at TAM seek the "best of the best" approach of collective investment funds allowing for significant diversification at default pricing.
Foucs Cover

Click here for Focus Fund Factsheet

ESG

This is not a default fund but offers exposure to an optional ESG (environmental, social and governance) Growth portfolio comprising of socially responsible investment vehicles including unit trusts, OEIC's, mutual funds and exchange traded funds (ETFs), whose managers aim to outperform their respective markets. Asset classes you may find in this portfolio are Government and Corporate Debt, Equities, Absolute return, property, commodities as well as cash. classification. ESG Growth seeks to generate capital growth over the medium to longer term, with the aim of riding out short-term fluctuations in value. The portfolio has a growth approach to equity exposure, typically comprising of 60-75% equity and 25-40% non-equity. These weightings may deviate within set parameters, allowing managers to react to market conditions.
ESG Cover

Click here for ESG Fund Factsheet

Sharia

This is not a default but offers exposure to an optional Sharia Growth portfolio comprising of Sharia-compliant investment vehicles including unit trusts, OEIC's, mutual funds and exchange traded funds (ETFs), whose managers aim to outperform their respective markets. Asset classes you may find in this portfolio are Sukuk Debt, Sharia compliant Equities, commodities as well as cash. Sharia Growth seeks to generate capital growth over the medium to longer term, with the aim of riding out short-term fluctuations in value. The portfolio has a growth approach to sharia equity exposure, typically comprising of 60-75% equity and 25-40% non-equity. These weightings may deviate within set parameters, allowing managers to react to market conditions.
Sharia Cover

Click here for Sharia Fund Factsheet
 

 

How we invest

Approach to building clients’ wealth  
Getting the balance right 
Diversification to protect your nest egg 
Active portfolio management 
Putting investment talent to work 
Keeping on target with portfolio objectives 

Protecting your capital

The best way to build wealth is not to lose it in the first place. Producing reliable annual performance and then compounding through reinvestment provides stronger and more consistent growth for your nest egg. For example, if you make 5% per year and re-invest, then after 9 years your portfolio is over 50% larger and in 15 years it has doubled.

MANAGING RISK LEVELS IN THE PORTFOLIOS
Portfolios are meticulously built and managed to ensure they remain aligned with TAM’s views on possible market changes and the economic outlook. Each individual fund is selected by TAM in context of the choice of portfolio you make during the initial account opening process.

DIVERSIFYING TO PROTECT YOUR NEST EGG
The funds in each portfolio are diversified by geography, sector, asset class, fund manager, currency and investment strategy. Each fund in a portfolio will invest in numerous assets such as individual company stocks or bonds. The aim is always to blend together investments that do not all do the same thing at the same time especially during periods of market stress

PUTTING INVESTMENT TALENT TO WORK
TAM Workplace Pensions’s chosen investment manager TAM has 100% independence to select funds from any provider that meet their research and due-diligence criteria. TAM’s award-winning experience enables you to access a blend of some of the best investment talent from a cost of only a few pounds a month.

Our Fund Manager's Awards

GET IN TOUCH WITH US

TAM Workplace Pensions

TAM Asset Management Ltd

City Tower,
40 Basinghall Street,
London,
EC2V 5DE,
UK
Tel: (+44) 207 549 7650
mailto:info@tamassetmanagement.com


Copyright © 2020 All Rights Reserved.
Copyright © TAM Financial Limited. 2020 All Rights Reserved. Past performance is not a guide for future returns. The value of investments and the income from them, can go down as well as up and may fall below the amount initially invested. The TAM Workplace Pensions is an investment service offered by the TAM Group. TAM Asset Management the investment manager to the workplace pension assets is authorised and regulated in the Unted Kingdom 208243