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The Integral Master Trust. Integral for success.

The Integral Master Trust (IMT) is an investment solution for advisers (as opposed to fund/stock pickers) who focus on providing financial advice to protect and grow their clients’ core wealth. It’s a robust, flexible and administratively easy solution that gives great value for money. It has a proven track record of delivering for advisers and investors for over ten years. 

IMT has five investment options, which allow your clients to hold a portfolio accessing both widely diversified and concentrated investments. It has all inbuilt platform functionality with rebalancing, fee collection and reporting, which both the adviser and client can access.

IMT allows advisers to guide and support their clients, to achieve their financial goals, while you add value to your business through having a replicable, reliable and profitable business model.

This allows you to profit from the success of your clients by focusing on adding value through the advice process.

The simple administration and client-focused investment approach minimises your compliance risks and reduces downtime in administrative tasks. IMT is a robust and defensible investment solution that promotes the use of financial advice, while providing funds that work together to allow you to personalise each of your client portfolios to meet their individual goals. 

Investments are managed at an underlying level by leading domestic and international fund managers Harbour Asset Management, ANZ Investments, Franklin Templeton, Insignia Financial and Dimensional Fund Advisors.

Investment philosophy

Investing should be done to meet the goals of the investor. It requires a careful balancing of risk, required return, preferred investment style and consideration of environmental, social and governance factors. This is the value that a financial adviser brings to investors; blending these competing demands into a package that acknowledges trade-offs and can be understood and accepted by clients. 

No single philosophy suits all investors, so IMT provides flexibility to meet these competing demands. In a time where clients can access investments directly, advisers need to offer value outside of this. IMT puts financial advice at the core of the investment process and enables advisers to offer that advice in compliant, client-focused and administratively simple ways.

Our investment approach is:

• Asset allocation is the most important determinant of long-term investment performance.
• Risk and return are positively related such that greater return generally requires greater risks to be assumed.
• Diversification is key to reducing portfolio volatility and risk.
• We invest in carefully structured portfolios that do not rely on costly high-volume trading to generate performance.
• Sound investment decision making requires strong governance and well-defined decision-making structures.

The IMT allows advisers to offer:

• Broad based diversification options.
• Focused investment options that can be integrated with a more diversified option.
• Investments that are more than index tracking.
• Investments that do not rely on market timing.
• Defensible investment propositions that have stood the test of time.

Financial advisers need to offer a solution that meets their clients’ needs in a compliant manner, providing recurring revenue and a business model that can be sold once the adviser wishes to pursue other avenues.  IMT allows financial advisers to operate independently and profitably through putting their clients first.