Before using this site, you should read the following important information relating to it. This information governs your use of this site and, by using it, you agree to be bound by our terms. If you do not agree please exit this website immediately. The contents of this website, including these terms, are subject to change by us without notice.
The products and services are not offered to any person or entity in any jurisdiction where the advertisement, offer or sale of such products and services is restricted or prohibited by law or regulation or where any Blenheim Global Assets office would be subjected to any registration or licensing requirement.
This website is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are not designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. In addition to this Important Information page, you will be referred on certain site pages to read “Important Information”. These will contain important product details and relevant legal or regulatory information and must be read together with the relevant site pages.
All references on this website to Blenheim Global Assets unless stated to the contrary.
The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. Past performance should not be taken as a guide to future performance. Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down. For some investments, there is no recognised market. Therefore it may be difficult to deal in them or obtain reliable information about their value or the extent of the risks to which they are exposed. Investments in emerging markets are subject to certain special risks, e.g. the risk of political instability, unpredictable financial market trends and economic growth patterns, a financial market that is still in the development stage and a weak economy.
The information in these blogs is believed to be correct but cannot be guaranteed. Any opinion or forecast constitutes our judgment as at the date of issue and is subject to change without notice.
The analysis contained in the Blenheim Global Assets blogs has been procured, and may have been acted upon, by Blenheim Global Assets and connected companies for their own purposes, and the results are being made available to you on this understanding. To the extent permitted by law and without being inconsistent with any applicable regulation, neither Blenheim Global Assets nor any connected company accepts responsibility for any direct or indirect or consequential loss suffered by you or any other person as a result of your acting, or deciding not to act, in reliance upon such information, opinions and analysis.
Neither any blog post nor any copy thereof may be sent to or taken into jurisdictions where the distribution may be restricted by local law or regulation. The reproduction, publication and/or distribution of any of Blenheim Global Assets blog posts in whole or part without prior permission of Blenheim Global Assets is prohibited.
Posting on Blenheim Global Assets Blogs
By submitting comments or any other material for publication on the Blenheim Global Assets blogs, you grant Blenheim Global Assets a worldwide, royalty-free, non-exclusive and perpetual licence to use in any way whatsoever any comments or material submitted to us in any format. This licence includes, but is not limited to, the right to develop, reproduce, modify, adapt, implement, publish, distribute and display the comments or material in any medium.
In addition, by posting a comment or any other material on the Blenheim Global Assets blogs, you warrant that this material belongs to you and that your submission of it does not infringe the intellectual property rights of any third party.
We will attempt to check every comment submitted before it is published on any of the Blenheim Global Assets blogs to ensure it complies with our standards but we cannot guarantee the same. We reserve the right to refuse, in our absolute discretion, to allow or to delay posting of all or any part of any comments or other material and to edit or remove any comments or other material posted to the blog. We reserve the right to preserve any content you may post to the extent required by law or the rules of any regulatory authority to protect the rights, property or personal safety of the blog, its users, the public, and Blenheim Global Assets.
Nonetheless, we assume no responsibility for monitoring the blog for inappropriate content or conduct, no obligation to modify or remove any inappropriate content and no responsibility for the conduct of the user of submitting any such content.
Any references in these House Rules to ‘you’, ‘your’ or ‘yours’ are references to the person(s) using our social media accounts.
We have designed these House Rules so you can interact with us in a safe and appropriate way. If you do not accept these House Rules, please do not use our social media accounts.
The basic rule for using our social media accounts is:
Only post information you are happy for everyone to see
Do’s and don’ts
- Do keep your comments or messages succinct.
- Do keep comments or messages on-topic.
- Do only comment or message us with your own opinions.
- Don’t comment or message personal or confidential information.
- Don’t use offensive, indecent or obscene language that could be discriminatory or promotes discrimination of any kind, or that may be considered as bullying or harassment;
- Don’t use our social media accounts to incite, condone or encourage conduct which could result in a criminal offence, civil liability or otherwise breach any laws or regulations including any laws regarding competition.
- Don’t comment or message anything that could be considered defamatory or embarrassing, or damaging to an individual, company or entity’s reputation.
- Don’t use our social media accounts in any way which is anti-competitive or could be expected to give rise to anti-competitive behaviour.
Management of our social media accounts
Our social media accounts may be managed by Blenheim Global Assets employees and / or third parties appointed by the Blenheim Global Assets. We cannot moderate what others post about Blenheim Global Assets before it is posted, but we may (if we are able) remove posts which don’t comply with our House Rules.
Views and opinions
Social media platforms are independent third party websites and are not associated with Blenheim Global Assets; we can’t control what they do.
With the exception of our own comments and messages, the views and opinions expressed on our social media accounts are the views and opinions of the person posting the information and are not our views or those of Blenheim Global Assets. While we try to ensure that the information on our site is current, we cannot guarantee that the information provided on our social media accounts will be complete, accurate or up-to-date.
If you would like to make a formal complaint about the financial or other services we provide, please follow our complaints procedure. If you do make a complaint through our social media accounts, we will try to collect details of the complaint, using secure communication. We will attempt to resolve your complaint through our standard customer complaint procedure.
Using your comments, ideas and images
Our materials and intellectual property
Our names, images, trade marks and other materials contained on our social media accounts are protected by intellectual property rights. You must not use these materials for any reason without our express consent.
Where there are links to third party websites or resources, whether posted by us or a third party, you access these at your sole discretion and at your own risk. We are not responsible or liable for any damage caused by third party websites or resources.
Our comments or messages are not intended to provide any financial, investment or professional advice and shall not be deemed to constitute the offer or provision of financial, investment or other professional advice in any way. You should obtain advice from a qualified financial advisor before making any investment decision.
We reserve the right to amend these House Rules at any time without prior notice. We will notify you on our social media account when there has been a change to these House Rules. You should make sure you are complying with the current House Rules.
We reserve the right to close our social media accounts at any time, without prior written notice.
Please do not issue any formal notices to us through our social media accounts. These should be sent to our office address which is indicated below within the ‘Contact Us’ page.
Registered office: Clifton House, Fitzwilliam Street Lower, Dublin 2. Ireland
Our aim is to provide clients with a first class service and we value client feedback. Should you have any comments or suggestions please contact us info@BlenheimGlobalAssets.com.
The information on this website is provided “as is” and has been compiled in good faith to provide information about Blenheim Global Assets and its products and services. It is believed to be correct, but we cannot guarantee the accuracy, timeliness, or completeness of any such information. Blenheim Global Assets shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on this website.
Before acting on any information obtained from this website you should check it by calling your local Blenheim Global Assets office.
Nothing contained on this website constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.
Blenheim Global Assets reserve the right to modify, suspend, or discontinue this website or any part of it, with or without notice, at any time, and shall not be liable to you or to any third party for any such modification, suspension or discontinuance of this website.
Blenheim Global Assets shall not be liable for any losses or damages of any kind arising out of your use or inability to use this website, or in connection with any error, omission, or defect contained on this website. Furthermore, Blenheim Global Assets accepts no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.
Access to and use of this website is at your sole risk and Blenheim Global Assets does not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.
There is no exclusion of duties or liabilities, or any conduct of business rules which Blenheim Global Assets are bound to comply with. There is no attempt to exclude liability for death, personal injury, or fraudulent misrepresentation.
Nothing on this website should be construed as a solicitation or offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment advice or service.
Past performance should not be taken as a guide to future performance. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment.
Whenever we carry out any investment business services for you, we shall point out to you our understanding of the advantages and disadvantages involved and the degree of investment risk to which you will be subject. You, the client, will ultimately take full responsibility for the final selection and choice of any investments made.
In the case of some investments, you should be aware that there is no recognised market for them and that it may therefore be difficult for you to deal in them or to obtain reliable information about their value or the extent of the risks to which they are exposed.
Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors. Before contemplating any transaction, you should consider whether you require financial advice, which we would be pleased to provide upon request.
Whilst a portfolio of investments specially selected to meet your requirements can be expected to perform in a broadly similar way to the market as a whole, some divergence will be experienced, especially over the short to medium term.
Before contemplating any transaction in an investment programme, you should have read the prospectus relating to the relevant investment programme and consulted your Blenheim Global Assets wealth manager.
If you choose to use our execution only dealing service we will not provide investment recommendations to you. Accordingly, when giving orders or instructions to us, you must rely upon your own judgement and in every case the transaction will be your responsibility.
Where you select your own investments or protection policies and are not receiving any recommendation from us as to their suitability or merit, then you take responsibility for those investments’ or policies’ suitability to your circumstances and requirements.
If we agree to arrange such self-selected investments or policies for you, we may do so subject to an ‘appropriate-ness test’ to confirm your understanding of the nature of the investments or protection policies and the risks involved.
Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down.
If applicable, you must also be aware that offshore investments may be subject to an additional risk in terms of exchange rate fluctuations between the currency of the original funds and the currency of a chosen investment.
You also acknowledge that as the client, you should ensure that you understand any exchange control, tax, insurance legislation that may exist in your country and how it affects any investments.
Where we place or transmit orders for such investments on behalf of our clients, we may utilise the services of a third party broker and base our decision to place or transmit an order on the price and cost of execution of the order. For orders in collective investment schemes (e.g. unit trust), however, the price of units or shares in the scheme is normally set by the scheme operator or manager and as such we have little influence over the price available.
The Discretionary Fund Manager Service offers you direct access to investment expertise through a diversified investment portfolio. The DFM will build the initial asset allocation in line with your investment objectives and risk profile. A dedicated portfolio manager will work alongside your Blenheim Global Assets private wealth manager to make tactical adjustments throughout the life of your investment, adapting your portfolio as financial markets change. Working closely with you and your Blenheim Global Assets private wealth manager, the DFM Investments Solutions will ensure that your portfolio strategy complements your overarching wealth circumstances and, as always with Blenheim Global Assets, will be delivered with a high touch, proactive and personal service.
Blenheim Global Assets referral to a DFM Service seeks to balance income-generating assets with those offering compelling medium-term growth potential. Controlled through effective portfolio construction and diversification, risk management is central to our approach as we draw on extensive tools and analytics from the DFM to ensure alignment with your individual risk profile.
Blenheim Global Assets DFM Service provides access to a range of active and passive investments, including collective investment schemes, index funds and exchange traded funds (ETFs). Structured products may also be used to take advantage of tactical views and strategies. The portfolio focuses on a range of global government bonds, corporate and high yield debt, with a significant proportion allocated to equities in the UK, and in the wider developed and emerging markets. Assets will be owned within your portfolio, and held by the DFM – or an appointed custodian – on your behalf.
If, once having assessed your needs and objectives, we consider that a DFM service is an appropriate solution for you we will:
- Undertake appropriate due diligence and recommend a DFM service/provider that we believe best meets your needs and objectives.
- Attend initial meetings with you and the DFM
- Ensure that your relationship with the DFM is established correctly
- Review the DFM’s performance on a six monthly/annual basis
- Attend annual review meetings to ensure the DFM service continues to meet your agreed needs, objectives and mandate
However, we recognise that occasionally we do make mistakes. In these instances, we encourage our clients to advise us of their complaints so that we have the opportunity to put matters right.
We aim to get your complaint resolved as quickly as possible by staff with the right experience, knowledge and authority.
We want to:
- make it easy for you to raise your complaint;
- listen to your complaint;
- consider your suggestions for how we can put matters right;
- make sure you are satisfied with how your complaint was handled and resolved;
- be polite, efficient and fair in all of our dealings with you.
How and where to complain
If you are not satisfied with any aspect of our service or products, please advise your private wealth manager in person, in writing, by telephone or email.
How long will it take?
Our aim is to address any concerns as soon as possible and within the regulatory guidelines. The timescales we will adhere to are detailed below;
If we have been unable to resolve your complaint with you by the end of the fourth business day, we will write to you within five business days to:
- acknowledge receipt of your complaint;
- tell you who is dealing with your complaint;
- tell you how long we expect to take to resolve it.
Should your concerns take us longer to resolve than we initially anticipated, we will contact you to update you on progress.
Within eight weeks
We will generally send you a ‘final response’ letter. This will clearly set out Blenheim Global Assets’ position with regard to your complaint.
After eight weeks
In exceptional circumstances, where your complaint is particularly complex, matters may take longer than eight weeks to resolve. If this occurs, you will be advised in writing what investigation has taken place and you will be provided with a reason as to why the complaint has not been resolved.
Additionally, you will be provided with a realistic timescale as to when a final response can be expected.
Security & Provider Compensation Scheme
Policyholder protection schemes are regarded as a safety net for policyholders of a life assurance company and allow policyholders to claim for compensation in the unlikely event the life company becomes insolvent. The rules governing schemes and specific rights for each policyholder vary from one jurisdiction to another and in some jurisdictions there is no scheme at all. For these reasons, Blenheim Global Assets favour using Channel Islands or Isle of Man providers since investments placed with life companies in these jurisdictions enjoy compensation schemes which offer investors up to 90% of their policy value with no upper limit – it should be noted that this protection only applies if the life company is unable to meet its liabilities.
This is the highest level of investor protection available in the world and there is no cap on the amount of protection as there is in the UK and the USA. Further information about these compensation schemes is available from www.gov.im or www.gfsc.gg
We always strive to give the highest possible standards of service and recommendation. If you wish to register a complaint, please write to Blenheim Global Assets, email complaints@BlenheimGlobalAssets.com
Blenheim Global Assets undertakes investment research in respect of investments primarily for internal use in the portfolio management process. Upon request, some of this research material may be made available to existing private wealth management clients at the discretion of the relevant private wealth manager. Blenheim Global Assets has in place a Conflicts Management Policy in respect of the research process. To view the conflict management policy please select the Conflict Management Policy from the drop down above or contact your private wealth manager.
We may monitor, record, store and use any telephone, email or other communication with you (in order to check any instructions given to us, for training purposes, for crime prevention and to improve the quality of our customer service).
For pure protection policies the start of the cancellation period will normally begin when you are informed that the contract has been concluded or, if later, when you have received the contractual terms and conditions. In other cases, the cancellation period will begin on the day the contract is concluded or, if later, the day on which you receive the contractual terms and conditions. Instructions for exercising the right to cancel, if applicable, will be contained in the relevant product disclosure information which will be issued to you.
If you cancel a single premium contract, you may be required to pay for any loss you might reasonably incur in cancelling it which is caused by market movements. This means that, in certain circumstances, you might not get back the full amount you invested if you cancel the policy.
1.1 Blenheim Global Assets’ business model is limited to the extent described in 1.2 and 1.3 below. Accordingly it is Blenheim Global Assets’ view that the research material described below in 1.3 is offered on an independent and objective basis and such conflicts as may arise are effectively managed by the policies set out in 1.4 – 1.8.
1.2 The nature of the Blenheim Global Assets’ business model is such that that the Blenheim Global Assets does not:
- trade for its own account
- engage in corporate finance activities, or
- act as a Retail Service Provider/Market Maker.
1.4 Blenheim Global Assets operates policies of Chinese Walls and independence, which are designed to restrict the flow of information and ensure the impartiality of the research analysts e.g.
- equity research material is produced within the Research Department, which is physically, separate from, and has a separate reporting line from the private wealth management area and the portfolio advisors which are responsible for client relationships.
- equity research is produced solely from approved brokers’ research and available market information.
- staff are required to be independent when advising clients, i.e. to disregard any relationship or competing interest of which they are aware, and which could conflict with the Blenheim Global Assets’ responsibility to its clients.
- research analysts are free to express their own views in research material, free from the influence or editorial control by subject companies, or by staff in any other area of Blenheim Global Assets.
1.5 Blenheim Global Assets has strict policies in respect of receiving gifts and inducements from suppliers of services and also in respect of personal account share dealing by members of staff.
1.6 The remuneration policy in respect of Research staff is such that there is no link between pay and reward of such staff and the volume of business transacted by Blenheim Global Assets.
1.7 It is one of Blenheim Global Assets objectives that all communication with clients is conducted in a manner, which is clear, fair and not misleading.
1.8 Blenheim Global Assets has in place a clear code of conduct for staff, which outlines the principles that staff are required to adhere to in their dealings and relationships with clients.
In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have robust Data Protection Laws. Where this is the case we will take reasonable steps to ensure the privacy of your information.
We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.
The information provided may also contain sensitive personal data, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a Trade Union.
If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer at Blenheim Global Assets, email info@BlenheimGlobalAssets.com
Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.
Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.