Titan Private Wealth, a Harrogate based wealth manager was established as Cardale Asset Management in 2003. We pride ourselves on delivering simple and sound advice to our clients old and new, which is why many clients have been with us from the very beginning. Our extensive range of financial services enables us to work with clients to help them develop a financial plan to grow and protect their wealth based on current circumstances and financial objectives. Services include financial planning, investments, pensions and taxation as well as providing a broad range of services specifically for businesses and business owners.
What is Titan？
Titan offers a competitive interest rate of 5.27% on uninvested cash and charges a modest fee of 0.25% per year for its smart cash management.
It also provides mutual funds, appealing to investors interested in diversified investment options. However, it lacks a dedicated trading platform or app, which limits the accessibility and ease of managing investments for users who prefer digital solutions.
Pros & Cons
Pros:
Titan offers regulated cash services under the FCA, providing multiple analysis tools for user convenience and charges low commissions at just 0.25% per year, satisfying well to cost-sensitive investors.
Cons:
However, the platform lacks a unique trading platform and diverse account options, limiting user experience and flexibility. It also offers limited tradable securities and lacks real-time customer support, potentially hindering timely decision-making and user satisfaction.
Is Titan Safe？
Regulations:
Titan is regulated by the Financial Conduct Authority (FCA) in the United Kingdom, with license number 226392. The FCA is known for its rigorous oversight of the financial services industry, ensuring that firms adhere to strict standards that protect consumer interests.
Funds Safety:
Yuanta Financial Holding Company prioritizes the safeguarding of customer funds by maintaining strict confidentiality and security of all personal data. Each client‘s financial assets are held in segregated accounts, ensuring distinct and protected management separate from other clients’ assets.
This separation is crucial in preserving individual client rights and safeguarding investments from operational risks or potential insolvencies of the firm. Yuantas adherence to rigorous financial regulations further reinforces the safety and integrity of these client funds, establishing a secure and trustworthy environment for their financial activities.
Safety Measures:
Yuanta implements comprehensive safety measures to ensure the security and confidentiality of client data. The company utilizes a strict internal IP management system and a VPN network among its subsidiaries to securely manage and protect personal data.
Advanced firewall technologies are deployed to shield against unauthorized access and potential security breaches. This multilayered approach to data security is designed to prevent the direct or indirect exposure of sensitive client information, thereby safeguarding the privacy and integrity of their financial transactions and personal data.
What are securities to trade with Titan？
Titan offers a diverse range of investment opportunities:
Smart Cash: Titan's Smart Cash is a dynamic cash management strategy that seeks to maximize yields by automatically moving funds between various high-yield money market funds based on daily rates and personal tax situations. This strategy allows investors to earn significantly higher yields compared to traditional savings accounts, with some earnings potentially exempt from state and local taxes.
Index Investing: Titan provides fee-free index investing strategies that aim to track the movements of the market through diversified indexes. This service allows investors to participate in the broader market movements without the burden of advisory fees, although the underlying ETFs do incur operating expenses.
Managed Stocks: For those looking for a more hands-on approach, Titan offers managed stock portfolios where their team of professionals actively manages collections of stocks they believe to be exceptional, aiming to outperform standard market indexes.
Automated Stocks and Bonds: Titan offers automated investment strategies in both stocks and bonds. These portfolios are comprised of diversified baskets of equity or bond ETFs, which are algorithmically rebalanced to maintain strategic asset allocations.
Alternatives: Titan provides access to alternative investment opportunities, including venture capital and cryptocurrencies. These investments allow for diversification into disruptive innovations and private asset classes, with strategies managed by Titan or through third-party managers.
Private Credit and Real Estate: Through offerings like Carlyle Tactical Private Credit and Apollo Real Estate, Titan allows investment in private fixed income securities and both private and public real estate markets, aiming to provide diverse alternatives beyond traditional stock and bond investments.
Titan Fee Review
Titan offers a differentiated fee structure based on the type of investment strategy and the amount invested:
Smart Cash: Titan charges an annual advisory fee of 0.25% on the Smart Cash strategy. This strategy seeks to optimize returns on cash by moving funds between various money market funds, aiming for the highest possible yield net of expenses.
Passive ETFs: There is no advisory fee for investments in passive ETFs. Titan promotes these as cost-effective options for straightforward investing strategies, emphasizing the lack of fees for what investors manages on their own.
Actively Managed Strategies: For proprietary strategies managed by Titan and selected third-party managed strategies, the fees are tiered based on the amount invested:
0.90% per year for deposits between $500 and $24,999.
0.80% per year for deposits between $25,000 and $99,999.
0.70% per year for deposits of $100,000 and more.
These fees apply to several actively managed portfolios, including Titan Flagship, Titan Opportunities, Titan Offshore, Carlyle Credit, Apollo Real Estate, and Apollo Credit. The fee structure is designed to incentivize larger investments with lower percentage fees as the investment amount increases.
Additional Services:
Titan also emphasizes the availability of in-house investment advice and regular updates on investment actions and reasoning, enhancing transparency and investor understanding.
For new investors or those looking to understand more about Titan's approach, scheduling a call with their Investor Relations team is encouraged to answer any questions regarding investments and fee structures.
Research & Education
Titan provides a variety of research and educational resources to keep its investors informed and engaged.
One key resource is the “Q1 2024 Investor Letter,” where Titan discusses market conditions such as higher interest rates and geopolitical tensions, and provides insights into how these factors have influenced the surge in major U.S. indices, particularly in the technology sector.
Another significant offering is “Investment Committee Vol. 8,” which educates investors on how Titan's team manages its active equity strategies. These resources are designed to help investors understand market dynamics and Titan's investment approach, contributing to informed investment decisions.
Customer Service
Titan Private Wealth provides customer support through multiple channels to ensure accessibility for its clients. Clients can contact the team by phone at 01423 534100 for immediate assistance or inquiries. For less urgent matters or detailed queries, emailing at info@titanprivatewealth.com is available.
Additionally, Titan Private Wealth maintains a presence on LinkedIn, allowing for professional networking and updates on the company's services and insights, enhancing its engagement with clients and the broader professional community.
Conclusion
Titan is a financial advisory firm known for its sophisticated investment strategies and commitment to client education and transparency.
Offering a range of investment opportunities, from actively managed equity portfolios to innovative Smart Cash management solutions, Titan aims to meet the diverse needs of modern investors with a professional team thats equipped to handle complex market dynamics.
Their advisory services are tailored to maximize returns while providing educational resources to help clients understand investment decisions.
FAQs
United Kingdom
