Building a centralised investment proposition
Centralised Investment Propositions (CIPs) offer greater consistency, enhanced risk management, improved compliance, scalability, and tailored solutions for clients.
CIPs are transforming adviser businesses by delivering better client outcomes, enabling scalable growth, and streamlining operational efficiency. In a Consumer Duty-led environment, they provide a robust framework for demonstrating value, service quality, and ongoing compliance.
Getting started
Before you get started, we have outlined some key steps to think about.
Understanding your clients
Consider the needs of your clients carefully; their investment needs, attitude to risk, level of understanding and their vulnerabilities before designing and adopting a CIP approach.
Determining objectives and investment requirements
A CIP must deliver competitive investment outcomes and offer demonstrable value for money. Consider the investment objectives of your clients and what specific outcomes they are looking for and what their tax and communication needs are.
Decide whether you need external support
Decide whether you have the resources and expertise to do this in house, or whether you need some additional external resource to help.
Detailed research and due diligence
Have a clear and detailed product government framework to segment and monitor products and services you use with clients. Proper research and due diligence should be conducted to meet the specific needs you have identified in your segmentation work.
Setting up your CIP
Spend time creating your investment policy, thinking about which platform(s) you want to use, how you will manage your investment committee and what material you might need to support clients.
Launch to clients
When you are ready to take your CIP to clients, be clear about your proposition and how it benefits clients and explain when and how they will receive updates.
Ongoing support and deliverables
Post launch, ongoing review periods and open dialogue is key. Be clear from the start on your expectations and the support you require from any external partners in order to service your clients.
