Asset Management

We generate wealth for sophisticated and professional investors through an ultra-low-cost management model

Straight To The Point

HCM was formed with a clear goal in mind, to simplify complex issues and provide transparent advice.

As a boutique asset management firm, we cater to sophisticated individuals in search of leading institutions across the globe.

Core Asset Management Services

Whether you are seeking a new and transparent approach to managing your wealth or looking to begin your investment journey, we are here to help, catering to a variety of investment structures and clientele.

  • We provide advice on whether to maintain your pension in the UK or to look at the benefits of offshore structuring. This requires a thorough analysis from our team with extensive experience and qualifications to advise on this complex subject.

  • Our unique structure allows us to manage existing policies that clients have previously started before becoming a HCM client.

    Our approach allows us to often reduce existing fees in current policies and enhance the performance through timely and accurate management. We have cultivated relationships with all the major offshore providers to ensure the ability to manage all client situations.

  • We hold decades of experience dealing with offshore structures, non-domiciled individuals, and non-resident individuals and companies.

    Our team of trained advisors understand the old rules, all the changes that have been made and those proposed for the future.

    We’ll help you save valuable time and avoid costly mistakes.

  • Regular savings plans are a disciplined way of saving through regularly investing an equal amount of money into a selection of market-based funds of your choice. We provide fully flexible structures with clear and low fees to maximise your portfolio growth.

  • We cater to a variety of lump sum investments through our ultra-low cost trading platforms. These allow you to maximise your time offshore by ensuring your capital grows in a cost-efficient manner.

    We have established relationships with leading financial institutions that enable clients to invest in funds, securities, and currencies in all the major markets. With their expertise, they facilitate efficient dealing and custody of your assets. Luxembourg and Isle of Man are typical jurisdictions for the majority of international funds, to provide peace of mind.

Access Leading ETFs

Used by institutions and individuals, ETFs (Exchange Traded Funds) are designed to track the performance of specified indices. They have low management fees and higher intraday price visibility.

*The performance quoted represents past performance and does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor’s shares, when sold or redeemed, may be worth more or less than the original cost. Current performance may be lower or higher than the performance quoted.

Ultra-Low-Cost Ecosystem

Our frequently asked questions section below provides answers to commonly asked questions, offering clarity on a wide range of points to assist you in making an informed decision.

Frequently Asked Questions

  • Since their introduction in 1993, exchange-traded funds (ETFs) have exploded in popularity with investors looking for an alternative to mutual funds. Used by institutions and individuals they follow a basket of assets designed to track an index with low management fees and higher intraday price visibility. In addition, ETFs tend to have much lower expense ratios compared to actively managed funds, can be more tax-efficient, and offer the option to immediately reinvest dividends.

  • ETFs, which are passively managed, have much lower expense ratios compared to actively managed funds, which mutual funds tend to be. ETFs do not bear costs such as a management fee, shareholder accounting expenses at the fund level, service fees like marketing, paying a board of directors, and load fees for sale and distribution.

    Furthermore, the dividends of the companies in an open-ended ETF are reinvested immediately, whereas the exact timing for reinvestment can vary for index mutual funds. ETFs can also confer tax advantages - as passively managed portfolios, ETFs tend to realize fewer capital gains than actively managed mutual funds. Mutual funds, on the other hand, are required to distribute capital gains to shareholders if the manager sells securities for a profit, creating a negative taxation drag.

  • All client monies are held in segregated client accounts. Client assets are never co-mingled. Furthermore, client funds are independently audited (by PwC) as well as being obliged to regularly report to the Isle of Man Financial Services Authority (IOMFSA) to demonstrate compliance and complete reconciliation of the holdings.

  • We provide flexible solutions to allow clients access anytime and anywhere, as the future can be uncertain.

Additional Information

  • Funds are placed in designated portfolios, dependent on client risk profiles. Once a client’s risk profile has been accurately mapped, a basket of top-quartile ranking securities is chosen to allow for maximum growth potential. Downside risk is shielded against through diversification to allow for negative market volatility to be absorbed.

  • We understand the need to reduce taxation where possible against the backdrop of client lifestyles across multiple countries. HCM utilises offshore jurisdictions that favour global expatriates’ lifestyles and allow clients to benefit from the tax advantages that these jurisdictions confer.

  • We enable entrepreneurs to pass on the reigns with the right strategy for maximum profitability and commercial security.

  • Planning for the future doesn’t need to be complicated. We provide a clear process for wealth accumulation with regular reviews to ensure progress.

  • We will provide a clear overview of existing investments, with a clear mission to reduce existing fees.

The Case Studies Section Is a Valuable Resource That Provides Real-World Insights Into Our Financial Expertise

These success stories showcase how we've helped clients achieve their financial goals and navigate complex wealth management challenges. Reading these case studies can offer you practical examples of our tailored solutions, demonstrating the tangible benefits of our services.