Lowes has always held the belief that great financial advice requires the research and analysis of an independent investment team.

While a large proportion of the industry has gone down the route of restricting investment choice to a certain group of companies or a panel of investments, we believe this inhibits the investment success that is achievable. Our ability to look across the entire investment market means we can ensure our clients’ investments are placed where we believe they can best grow, maintain and protect our clients’ wealth.

Our investment team spend their days researching, monitoring and analysing the markets and the available investments.

Primarily we use actively managed mutual funds because, through experience, we believe professionally managed funds which allow the fund manager to seek out the best opportunities and avoid the areas of weakness, are most suited to our clients’ portfolios. We do use some index tracking funds, which aim to mirror an index like the FTSE 100. Also, Lowes is recognised as an industry expert on structured products and the opportunities these offer our clients. Many of the successes achieved by our clients
through investing in structured products have been missed or simply are unknown to other investors because their advisers won’t put in the time to research them.

Our investment expertise means managers of top funds in the market are keen to talk with us about their views of the market and their investment strategies.

It has also enabled us to develop our own funds in areas we believe offer long term opportunities for our clients - such as the Lowes UK Defined Strategy Fund and MI Diversified Strategy Fund - and work with product providers to create and develop structured products - changing the face of the structured product market along the way.

Our investment team of six is not large, but it is very experienced and highly respected by fund managers and the industry in general. The team members have 70 years of experience between them. It is also an award-winning team, most recently winning the Investment Adviser of the Year at the ILP Moneyfacts Awards.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.