Client Details

The client held substantial cash savings and sought professional investment management to achieve balanced growth. The main objectives were to:

• Divide the savings between short-term and long-term investments.
• Achieve a reasonable rate of return without excessive risk.
• Maintain access to funds for potential income in retirement, though this was unlikely to be needed given an already adequate pension.
• Ensure the funds would pass smoothly to his wife and three children after his death.

Because investment income was tax-exempt in Belgium, Leaton Wealth implemented a low-cost investment platform for the long-term growth element, allocating assets across diversified equity and bond ETFs aligned with our risk-rated model portfolios. Performance has consistently exceeded the comparable ARC benchmark.

The platform was jointly held by the client and his spouse, naming their children as beneficiaries, ensuring smooth succession. Funds can be withdrawn as one-off or regular payments if required.

For the short-term portion, insured alternative investment solutions were recommended, delivering returns well above bank deposit rates while maintaining capital protection.