Banking and Investment
Let's keep things simple
Low-Cost, Simple Banking & Investment Platform
At Simmons Consulting, we focus on protecting and growing wealth through discretionary multi-asset and bespoke investment solutions. Whether you're starting to build a portfolio or restructuring your assets, we offer tailored strategies to meet your needs.
Financial markets offer strong growth potential, but history shows their unpredictability—2008’s financial crisis, the 2016 oil collapse, the 2020 pandemic, and geopolitical tensions like the Ukraine conflict. The key to navigating uncertainty is risk diversification, disciplined management, and regular rebalancing—all of which we handle with expertise.
-
Global, Tax-Efficient Investment Solutions
Most of our clients are internationally mobile and require jurisdictional flexibility in managing their wealth. We have long-standing relationships with world-class financial centres, including the Isle of Man, the Channel Islands, and Mauritius, offering highly regulated and stable environments for holding assets.
Clients enjoy full liquidity, lower fees, and real-time access to their portfolios, with funds accessible within five to ten days.
-
Our Investment Approach: Simple, Transparent & Cost-Effective
We do not use
- Complex, high-cost life insurance wrappers.
- Opaque debt instruments, derivatives, or hedge funds.
- High-risk financial structures we wouldn’t invest in ourselves.
We do use
- Low-cost, transparent investment platforms.
- Integrated banking and investment solutions, enabling transfers, FX, third-party payments, and direct custody of global assets (ETFs, stocks, bonds, investment trusts, etc.).
- Multi-currency flexibility (12 currencies, with some platforms offering a Platinum debit card in USD, GBP, or EUR).
Due to the simple and transparent structure of our investment platforms, your wealth is readily available.
-
Discretionary Fund Management (DFM)
What is Discretionary Investment Management?
A DFM allows experienced professionals to manage investments on your behalf , ensuring alignment with your goals and risk tolerance. This service is ideal for high-net-worth individuals (HNWI) and institutional investors , typically requiring a minimum investment of $250,000 .
DFM investment managers hold top industry qualifications, such as: Chartered Financial Analyst (CFA) | Chartered Alternative Investment Analyst (CAIA) | Financial Risk Manager (FRM)
DFM portfolios are structured systematically, ensuring clear performance tracking, risk management, and efficiency. Investments include stocks, bonds, ETFs, and other market securities, tailored to risk groups rather than individual customization.
We have partnered with TAM Asset Management International to offer our clients access to an award-winning selection of Model based and Bespoke portfolios.
TAM’s origins trace back to the 1930s and the floor of the London Stock Exchange. From these early beginnings, they are now recognised as an institutional investment expert providing advisers and their clients with both onshore and offshore investment management solutions.
Read more about TAM and their portfolio services: www.tamint.com
-
Why invest via the Isle of Man, Channel Islands and Mauritius?
Simmons Consulting primarily sources banking, investment, and trust solutions from these UK Crown Dependencies, known for their stability, regulatory strength, and tax efficiency.
Isle of Man
- 50+ years of budget surplus with a strong, diversified economy.
- No capital gains, withholding, or wealth taxes.
- Home to Tynwald, the world’s oldest continuous parliament, ensuring a stable legal system.
Guernsey & Jersey (Channel Islands)
- Renowned financial centres with expertise in banking, fund management, private wealth, and insurance.
- Serve a diverse client base, from private investors to corporate pension funds and institutions.
- Highly regulated, internationally respected jurisdictions.
Mauritius – International Finance Centre
Why Invest via Mauritius?
Mauritius is a leading international finance centre, blending a rich trading history with a modern, dynamic financial sector. Known for its stable regulations and pro-business environment, it offers strong growth opportunities.
Key Highlights- A trading hub since the 17th century.
- Financial sector growing over 4.5% in four years, employing 9,900+ professionals.
- Contributes 13.1% to GDP, with banking/capital markets at 6.6%.
- Over 1,000 investment funds managing USD 80 billion+.
- 19 banks, including 5 local and 12 foreign subsidiaries.
- Projected 2024 inflation at 4.9%, aligned with central bank targets
-
Asset Security & Liquidity
The security of our clients' capital is our top priority, taking precedence over the reputation of any managing entity. To ensure this, the investment houses we work with deposit all client assets with independent custodians, safeguarding them in the unlikely event of a claim against the investment provider.
Simplicity and liquidity are at the core of our investment philosophy. Our model portfolios are designed to be straightforward, easy to understand, and highly liquid, consisting of funds in mainstream markets. We do not use derivatives or structured products to enhance returns at the cost of liquidity, ensuring full transparency and accessibility for our clients.