Investment Management

Chorus Financial pride ourselves on providing investment solutions based on UK best practise. 100% independent, client focussed portfolio management with clear, value for money charging structures.

Chorus will review your existing arrangements for free, without pressure or obligation, and clearly demonstrate how we can improve your existing solutions whilst reducing fees.

Many expats are unaware that their UK based investments like ISAs, Premium Bonds and other NS&I products may not be suitable for Spanish residents and could potentially lead you to paying too much tax in Spain, or inadvertently breaking tax laws. Even simply leaving money in your UK bank account can create complex reporting requirements that can easily be avoided.

Some of the World’s largest companies, including household names like The Prudential, Royal London and Quilter PLC have created products designed specifically for expats living in Spain. These products can allow you to achieve investment growth, reduce taxation and are also fully compliant in Spain, so can help to avoid lengthly and complicated tax requirements.

Unlike many advisories here in Spain, Chorus offer Spanish compliant products with no tie-in or exit fees from as little as 0.25% per annum.

Chorus clients benefit from truly independent portfolios that are well-diversified amongst the leading asset managers in the world. This means Chorus clients’ funds remain well diversified at all times, without too much exposure to any individual fund management group. Our current portfolios contain funds from, but not limited to, the following companies:

Rathbones:

Founded in 1742.
A FTSE 250 listed company.
Managing more than £50.5 billion as of September 2020.
15 offices throughout the UK and Jersey.

Vanguard:
Founded in 1975 and eadquartered in Pennsylvania, USA
$6.2 trillion in global assets under management, as of January 31, 2020.
The largest provider of mutual funds in the world.

Royal London:
Founded 1861.
Headquartered in London, UK.
£100 billion funds under management.

Baillie Gifford:
Founded in Edinburgh in 1908 and still has its headquarters in the city. Corporate offices in New York and London.
As of June 2020, assets under management and advice were valued at £262 billion.

BlackRock:
Founded in New York City in 1988.
BlackRock is the world’s largest asset manager, with $7.4 trillion in assets under management as of end-Q4 2019.

Fidelity:

Founded in 1946.
Is an American multinational financial services corporation based in Boston, Massachusetts.
One of the largest asset managers in the world with $3.3 trillion in assets under management as of June 2020.

Fundsmith:

London-based investment management company, founded in 2010 by Terry Smith.
As of December 2019, Fundsmith manages £26bn in assets.

Lindsell Train:

Founded in 2000 in the UK.
Operates as an alternative investment manager, specialising in UK, Japanese and global equity mandates.
$22 billion assets under management as of April 2020.

Franklin Templeton (Legg Mason):

A global investment firm founded in New York City in 1947.
$717 billion assets under management as of 2019.
Specialized expertise across a full range of asset classes. It offers products under the Franklin, Templeton, Mutual Series and Fiduciary brand names, among others.

Liontrust:

Founded in 1995, Liontrust Asset Management plc is a British asset management company based in London.
It is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index.
£20 billion assets under management as of June 2020.

JPMorgan Chase and Co.:

Founded in 2000.
An American multinational investment bank and financial services holding company headquartered in New York City.
As of 2020, the asset management arm of the bank has US$3.37 trillion in assets under management.

Schroders:

A British multinational asset management company, founded in 1804 and headquartered in London, UK.
£500 billion assets under management as of 2019.

Nothing within this website should be regarded as a recommendation to invest; a recommendation will only be made following a full individual assessment of suitability and appropriateness.

Contact Us