Ramsey Crookall & Co

Who we are

Ramsey Crookall is the Isle of Man’s longest-established independent firm of stockbrokers and investment managers. In a world of uncertainty, we provide stability and clarity. We also know investing is a long-term business. That is why we offer a bespoke service, taking time to understand your investment objectives. Independent advice and thought forms the bedrock of our business. One of our major core values is striving to provide the highest levels of personal attention by employing only the very best people, we create real value to our private and institutional clients, trusts and pension funds. Now in its third generation, Ramsey Crookall is a trusted family firm that is continually evolving to meet our clients’ needs and expectations.


We are 100% Independent which means that we do not have any involvement with any outside company nor do we have any in-house funds. This avoids any conflict of interest. We have a highly experienced and highly committed team who are able to make decisions quickly, unencumbered by red tape and bureaucracy.

What we do

Ramsey Crookall provides bespoke investment solutions, offering an approach as individual as you are. Initially, we focus on asset allocation which plays an important role in portfolio returns. We determine the mix of assets that will work best in your portfolio, a spread of investments across geographic areas can offer different opportunities within a diversified portfolio. The aim is to reduce volatility and deliver higher, more stable returns. We can blend the generation of income and growth or offer a more focused approach depending on your specific needs.


We have a proven and established investment process which is central to the way we manage assets.

It provides a clear framework but at the same time it provides your investment manager enough freedom to consider individual requirements. Our process is constantly evolving and ensures that decision making takes account of the current macroeconomic environment.


Strategic asset allocation:


By using historical returns and correlation of asset classes, we aim to build portfolios which can achieve an optimal balance between risk and reward.


We divide your portfolio between four categories to enable us to manage risk appropriately:


1. Cash


2. Fixed Interest

a. Corporate

b. Government

c. Strategic


3. Equities

a. Developed market e.g., UK, US, and Europe

b. Emerging economies e.g., China, India

c. Thematic e.g., Healthcare, Technology


4. Alternatives

a. Absolute Return

b. Mixed Asset

c. Property

d. Infrastructure

e. Precious metals e.g., Gold


Investment Selection

After defining the strategic asset allocation, we then populate the portfolio. This can be with individual stocks and bonds or collectives such as unit trusts, investment trusts and exchange traded funds.


With regards to the selection of individual equities, Ramsey Crookall has considerable experience reflecting its heritage as a stockbroker. We look at a variety of different metrics including long term growth potential and balance sheet strength. In addition, we utilise third party research from the major investment banks.


The Ramsey Crookall Investment Committee approve all stocks, and we focus our efforts on selecting stocks from the UK, US, and Europe.


Diversification is a very important part of portfolio construction, and so our investment team are also responsible for selecting and monitoring collectives across structures and domiciles. These collectives also provide access to the more niche /specialist areas of the market.


The team undertakes quantitative and qualitative due diligence to identify “best in class” funds across the risk/reward spectrum. As we have no ties or relationships with any investment house, this means that our decisions are independent and based purely on fundamentals.

Strategies

Discretionary Portfolio Management GBP £

Ramsey Crookall’s discretionary managed service is ideal for those wishing to delegate the responsibility of the day-to-day management of their investments. With discretion to manage your funds and make decisions in accordance with your investment goals and risk appetite, we will manage the portfolio on your behalf, seeking to achieve your specific objectives. Whether it is a busy lifestyle or the comfort of an experienced & professional service that you seek, this approach allows you to focus on other aspects of life.

MANDATES

  • Cautious • low

    A low-medium risk strategy with a typical equity exposure likely to range between 30 and 50%. For investors aiming to achieve a reasonable return and who are prepared to accept some risk in doing so. They accept that there will be frequent, yet modest, fluctuations in value.

  • Income • low

    For clients where providing an income is a priority. A low-medium risk strategy with a typical equity exposure likely to range between 30 and 50%. For investors aiming to achieve a reasonable return and who are prepared to accept some risk in doing so. They accept that there will be frequent, yet modest, fluctuations in value.

  • Balanced • medium

    A moderate risk strategy with a typical equity exposure ranging between 50 and 70% for investors who are balanced in their attitude towards risk. They don’t seek risky investments but don’t avoid them either and are prepared to accept greater risk and price fluctuations in the value of their investments, in trying to achieve greater returns.

  • Income Plus • medium

    For clients where providing an income is a priority. A moderate risk strategy with a typical equity exposure ranging between 50 and 70% for investors who are balanced in their attitude towards risk. They don’t seek risky investments but don’t avoid them either and are prepared to accept greater risk and price fluctuations in the value of their investments, in trying to achieve greater returns.

  • Adventurous • high

    A medium to high risk strategy with a typical equity exposure ranging between 70 and 90% for those comfortable taking short-term investment risk with what could be periods of poorer performance with significant price fluctuations, in seeking to achieve higher long-term returns.

  • ESG • medium

    A moderate  risk strategy with a typical equity exposure ranging between 50 and 70% for investors who are balanced in their attitude towards risk.  They don’t seek risky investments but don’t avoid them either and are prepared to accept greater risk and price fluctuations in the value of their investments, in trying to achieve greater returns. Our Discretionary Portfolio Management ESG Model is moderate risk and is for those who are comfortable taking short term risk for the potential of long term gains. 

  • Equity Risk • high

    A risk strategy with a typical equity exposure 95%. Investors in the high-risk category are comfortable with investment risk and understand that this can also mean some periods of poorer performance. As a consequence, they are prepared to accept significant fluctuations in the capital value of the portfolio.

Shearwater GBP £

Shearwater is a Discretionary Fund Management (DFM) service designed by Ramsey Crookall’s investment committee to meet a broader range of investment objectives and risk tolerances. Models can be accessed either as a lump sum investment, a regular contribution investment or a combination of both.


The models are regularly reviewed, with consideration given to the prevailing macro-economic factors and market conditions. Any potential adjustments are considered from both an asset allocation and an asset-specific perspective.

MANDATES

  • Cautious • low

    A low-medium risk strategy with a typical equity exposure likely to range between 30 and 50%. For investors aiming to achieve a reasonable return and who are prepared to accept some risk in doing so. They accept that there will be frequent, yet modest, fluctuations in value.

  • Balanced • medium

    A moderate risk strategy with a typical equity exposure ranging between 50 and 70% for investors who are balanced in their attitude towards risk. They don’t seek risky investments but don’t avoid them either and are prepared to accept greater risk and price fluctuations in the value of their investments, in trying to achieve greater returns.

  • Adventurous • high

    A medium to high risk strategy with a typical equity exposure ranging between 70 and 90% for those comfortable taking short-term investment risk with what could be periods of poorer performance with significant price fluctuations, in seeking to achieve higher long-term returns.

  • ESG • high

    A medium to high risk strategy with a typical equity exposure ranging between 70 and 90% for those comfortable taking short-term investment risk with what could be periods of poorer performance with significant price fluctuations, in seeking to achieve higher long-term returns. Our Shearwater ESG Model is moderate to high risk and is for those who are comfortable taking short term risk for the potential of long term gains. It is available in GBP only and is for lump sums as well as regular savings.

Shearwater USD $

Shearwater is a Discretionary Fund Management (DFM) service designed by Ramsey Crookall’s investment committee to meet a broader range of investment objectives and risk tolerances. Models can be accessed either as a lump sum investment, a regular contribution investment or a combination of both.


The models are regularly reviewed, with consideration given to the prevailing macro-economic factors and market conditions. Any potential adjustments are considered from both an asset allocation and an asset-specific perspective.

MANDATES

  • Cautious • low

    A low-medium risk strategy with a typical equity exposure likely to range between 30 and 50%. For investors aiming to achieve a reasonable return and who are prepared to accept some risk in doing so. They accept that there will be frequent, yet modest, fluctuations in value.

  • Balanced • medium

    A moderate risk strategy with a typical equity exposure ranging between 50 and 70% for investors who are balanced in their attitude towards risk. They don’t seek risky investments but don’t avoid them either and are prepared to accept greater risk and price fluctuations in the value of their investments, in trying to achieve greater returns.

  • Adventurous • high

    A medium to high risk strategy with a typical equity exposure ranging between 70 and 90% for those comfortable taking short-term investment risk with what could be periods of poorer performance with significant price fluctuations, in seeking to achieve higher long-term returns.

Shearwater EUR €

Shearwater is a Discretionary Fund Management (DFM) service designed by Ramsey Crookall’s investment committee to meet a broader range of investment objectives and risk tolerances. Models can be accessed either as a lump sum investment, a regular contribution investment or a combination of both.


The models are regularly reviewed, with consideration given to the prevailing macro-economic factors and market conditions. Any potential adjustments are considered from both an asset allocation and an asset-specific perspective.

MANDATES

  • Cautious • low

    A low-medium risk strategy with a typical equity exposure likely to range between 30 and 50%. For investors aiming to achieve a reasonable return and who are prepared to accept some risk in doing so. They accept that there will be frequent, yet modest, fluctuations in value.

  • Balanced • medium

    A moderate risk strategy with a typical equity exposure ranging between 50 and 70% for investors who are balanced in their attitude towards risk. They don’t seek risky investments but don’t avoid them either and are prepared to accept greater risk and price fluctuations in the value of their investments, in trying to achieve greater returns.

  • Adventurous • high

    A medium to high risk strategy with a typical equity exposure ranging between 70 and 90% for those comfortable taking short-term investment risk with what could be periods of poorer performance with significant price fluctuations, in seeking to achieve higher long-term returns.