Court of Protection and personal injury services: Expert Investment Management

Our Discretionary Portfolio Service (DPS) offers a bespoke solution for recipients of large settlements and their advisers who require a highly personalised investment strategy. Each portfolio is actively managed by a dedicated investment manager who makes day-to-day decisions within an agreed risk mandate.

Portfolios are built using a wide range of investments, including direct equities, fixed interest, commodities, hedge funds and cash. These can be held in tax-efficient wrappers such as SIPPs, ISAs or offshore bonds. We also manage tax considerations, including Capital Gains Tax (CGT), as part of the overall strategy.

Quilter Cheviot’s Managed Portfolio Service (MPS) provides a clear, cost-effective way to access active investment management. It draws on the insight of one of the UK’s largest research teams, with deep expertise across direct equities, fixed income and collective investments. At the heart of the service is our Building Blocks approach. This consists of a suite of carefully constructed funds designed to provide targeted exposure to specific asset classes and regions. These are blended into seven distinct strategies, each aligned to a defined risk profile and investment objective, ranging from cautious to global growth.

For trustees and deputies, MPS supports a key responsibility: investing settlement awards in a way that safeguards long-term financial security. The Defensive and Income strategies are often the most suitable options. They offer a balance of risk and return that reflects the cautious approach typically required when managing funds for vulnerable individuals. Their equity exposure remains comfortably within the range preferred by trustees and deputies, helping to meet growth objectives without taking on unnecessary risk. These strategies also provide consistency and transparency, which in turn support sound decision-making and ongoing oversight.

Portfolios can be held in ISAs, SIPPs, offshore bonds and other wrappers, with a VAT-free annual management charge that supports cost efficiency.

Managed Portfolio Service, when held in custody, offers a more structured solution that helps keep costs down without compromising on expertise or close oversight. Unlike our Discretionary Portfolio Service, which is tailored to each individual, it draws on Quilter Cheviot’s Building Blocks approach. This approach combines centrally managed funds into risk-aligned strategies. The collective model allows us to deliver greater value through scale, while maintaining portfolios that are thoughtfully constructed and actively monitored.

A dedicated investment manager oversees the portfolio, selecting an approach aligned with the client’s objectives. The strategy is reviewed regularly to ensure it remains suitable throughout the client’s lifetime. Regular reporting and communication help trustees and deputies maintain oversight and meet their responsibilities with confidence.

We offer responsible investment options, including ESG-aware, ESG-integrated, and ESG-screened strategies, all underpinned by our firmwide approach to stewardship and client-led screening.

For those seeking Shariah-compliant portfolios, we provide solutions managed by professionals with expertise in Islamic finance, ensuring religious and ethical requirements are met without compromising long-term investment priorities. Visit our Shariah-compliant investment service page or learn more about our approach to responsible investment.