Praemium
International

The Praemium International Smartfund  is 80% protected.

If you like more security for your investments, Praemium International offers a capital-protected range.

Praemium says the funds are made up of two parts: the protection component provided by Morgan Stanley, and the risk-graded strategy managed by Smart^im.

Both funds are designed to allow you to grow your capital, but the investment journey itself will differ for each of them depending on the market movements.

Investing in Smartfund is said to afford you a slightly better return in the long-term whilst an investment in Smartfund 80% Protected may protect you from the worst of the stock market waves along the way.

It entirely depends on your appetite for risk and current circumstances.

An investment in any of the Smartfunds comes with a range of investment risks to consider.

Here's a summary: -

Risk of partial loss of capital, market risk, currency risk and counterparty risk.

• Smartfund 80% Protected - offers 80% capital protection, therefore in extreme market conditions the value of your investment can go down by 20%.

• Morgan Stanley provides the protection component of Smartfund 80% Protected and acts as counterparty to the fund, so if Morgan Stanley becomes insolvent, the protection component may fail.

• The value of each Smartfund may be affected by various market risks including interest rate risk, inflation risk, exchange rate risk and the risk that the strategy managed by Smartim will under-perform its benchmark.

• Fundlogic SAS will seek to hedge the share classes of the funds to counteract the impact of currency fluctuations. In bad situations the investment manager might not be able to protect you against all exchange-rate risks, which may result in the capital protection, of Smartfund 80% Protected, being less than 80% of the NAV for the USD and EUR share classes.

• Praemium's approach facilitates model portfolios (which they call Separately Managed Accounts) and bespoke portfolios (which they call Individually Managed Accounts).
• You are allowed to hold multiple portfolios for every client, and different portfolios in each tax wrapper.
• You can also mix between Praemium's model and bespoke portfolios in their Unified Managed Account.

Praemium International claims to be the only platform in the UK to harness the power of machine learning and AI to give you predictive analytics on your clients’ behaviour.

You can learn more about it on their website.

Praemium isn’t just for UK clients.

Through their international platform, you can deal seamlessly with international professionals.

Their international platform is based in Jersey.

They can deal with clients in the following currencies:

• USD,
• GBP and
• EUR.

via this platform, Praemium International is also able to deal with people that are US-connected.

Praemium uses a range of measures to try and prevent fraud, including:

• bank-grade encryption,
• regular penetration testing, and a
• comprehensive disaster recovery plan

There are quite a few tools offered by Praemium International. It has an open API set which allows them to build integrations with other systems who are similarly open.

They are said to link to all of your major back office systems including their own Plum Software.  

Additionally, Praemium's on-platform tools include:

• a comprehensive CGT calculator,
• bulk rebalancing,
• portfolio analytics,
• portfolio reporting and
• leading MI capabilities.

Yes, Praemium International can offer you a range of tax wrappers.

These include ISA, JISA, GIA, Expat SIPP (Praemium Expatriate Retirement Account), and SIPP (Praemium Retirement Account).

They also offer access to third-party tax wrappers, including an onshore bond with Sanlam and various offshore bond providers.

Praemium also has links to QROPS, QNUPS, and RATs. Their open architecture allows for flexibility (after due-diligence checks).