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REVIEW SUMMARY

ARIA Capital Management

ARIA Capital Management is a trading name of Absolute Return Investment Advisers (ARIA) Limited, authorised and regulated by the Financial Conduct Authority (FCA). The firm has offices in Guildford in the UK, as well as international offices in Dubai, Malta and Cayman Islands. 

ARIA Capital Management offer their professional investment management services to individuals (in contrast to many competitors who will only use financial advisers as sales intermediaries).

Although the personal service is offered, ARIA still recommends working in conjunction with advisers.  

Overview
FAQ
Customer Reviews
Expert Verdict

ARIA Capital Management's financial services can be broadly summarised below:

Service

Description
Private clients This includes:
  • Financial planning
  • Retirement planning
  • IHT planning
  • Wealth preservation
Risk profiling and investment strategy

This includes:

  • Absolute return strategies
  • Multi-asset Investing
  • Individual equity portfolios
  • Passive ETF approaches
Discretionary Portfolio Management

This is discussed in detail below

 

ARIA Capital Management mainly tries to sell their DPM (Discretionary Portfolio Management) services to international professionals using two key points:

  • Time (saves you time)
  • Risk (manages your investments as per your risk appetite)

ARIA Capital Management claims to make it easier to manage your ever-changing financial affairs, especially as investment products are unlikely to remain the same throughout our lifetime.

They say they can help you design a custom investment portfolio to suit your individual situation, that takes into account your financial goals, as well as your need, willingness and the ability to tolerate risk.

Points to note about ARIA Capital Management's DPM services:

  • ARIA Capital Management use building block funds rather than buying specific equities, which they claim reduces costs for all portfolio sizes (brokerage fees). However, costs of underlying funds may still be significant compared to alternatives.
  • ARIA Capital Management’s claims, as part of its core philosophy in absolute return investing, to utilise alternative investments such as hedge funds and structured products in portfolios.
  • They have their own funds which is used as part of the ‘building blocks’ strategy of which some are alternative products including commodities or structured products and some are more traditional.

Regarding ARIA’s belief in alternative investments it is stated, “We seek to find investments which are not solely reliant on stock markets going up in order to generate positive returns”.

This translates as follows; ARIA believe that they can analyse and understand which geographies and asset classes are undervalued and that they can make alternative investments e.g. not linked to the standard S&P 500 or FTSE 100.

A wealth of evidence over the years suggests that outperforming the combined wisdom of even the secondary markets in less commonly traded assets is highly unlikely.

Other risks in alternative investments are also left unaddressed in the company’s literature. However, the ‘safer’ investment portfolios do include ETFs (Exchange-Traded Funds) which can be low cost and generate the best returns in the long run if managed correctly. 

NOTE:


We would highly recommend reading the 'expert verdict' section of this review to learn why our team of experts gave ARIA Capital Management only 1 out of 5 stars in this independent review, along with advice for next steps.


 

The Pros

> UK-based

The Cons

> Small business
> Chequered history
> Active methodology is questionable
What are the fees and charges?

Annual Management charges for ARIA’s DFM service are 1% per annum, but ARIA state that this depends on “service line chosen”, so it could be higher.

Additional charges may apply where they are requested to pay your financial adviser for their work in reviewing the portfolio’s performance and providing an independent review of “how we are doing” for example.

The underlying funds within the portfolio will also levy fees, a portion of which will be paid to ARIA.  These fees will be around 1.5%.

Dealing charges arise each time an investment is bought or sold. In minimising these, ARIA cap them at 1% or £50, whichever is lower. 

All in, you can expect to be paying between 2.5% and 3.5% per annum, and possibly more.

Not impressed

I did my research and was sold on ARIA's bold claims about their reputation...but everything's worked out really expensive and honestly I don't know what they've done for the money.

Expert assessment of ARIA Capital Management

ARIA Capital Management is a small business with, in our view, an outdated approach.

We believe that there are better and more cost-effective alternatives for expat investors.

If you already have a Discretionary Managed Portfolio with ARIA Capital Management, and it is worth £250,000 or more, we strongly recommend you seek a Second Opinion to ensure you are on track to get and keep the life you want.

ARIA Capital Management - Brochure

ARIA Capital Management - Portfolio Strategy

ARIA Capital Management - Onshore Brochure

ARIA Capital Management - Terms and Conditions

ARIA Capital Management - Tailored Investment Portfolio

ARIA Capital Management - Risk Appetite

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