Ocho Investments Service

Built on deep investment expertise and robust governance, Ocho Investments provides access to carefully constructed investment portfolios aligned to your individual risk profile and long-term investment objectives.

What we offer

Ocho Investments combines flexibility, discipline, and cost control to help deliver strong outcomes over time.

How does Ocho work?

Our investment committee sets the parameters and benchmarks for the Ocho portfolios, which
are then targeted by our investment managers, Quartet. This arrangement allows us to build
bespoke portfolios for our clients, while at the same time managing and controlling costs.

Any deviations from the target measures are analysed and we regularly review portfolio activity and
performance to help secure the best outcomes for our clients.

Key Features of Ocho Portfolios

As part of the Ocho service, you will receive regular performance updates and have the ability to view your portfolio online in real time.

The Ocho Portfolios

Each Ocho portfolio is built using a clear and disciplined framework. Assets are divided into two broad categories:

Growth Assets – typically aimed at delivering long-term capital growth
Non-Growth Assets – designed to provide stability, income and diversification

Both categories serve a distinct purpose in each portfolio. This framework helps classify assets based on how they are expected to perform under different conditions.

The Ocho Risk Profiles

Each of the seven Ocho portfolios is linked to an agreed risk profile with a prescribed range for exposure to growth assets.

The diagram below illustrates how this works and covers some of the investment strategies and characteristics you might expect from each portfolio. This enables us to match your investment parameters to the portfolio best suited to achieve the desired aim, objective and outcome.

Find out more about each risk profile:

If you want to find out more about how Ocho Investments could work for you, make an enquiry or get in touch with one of our experts below.

Frequently asked questions

What is a managed investment portfolio?: A managed investment portfolio is a professionally constructed and maintained portfolio designed to meet your financial goals and risk profile.

Ocho is Mercer & Hole’s managed portfolio service, offering clients access to structured, diversified portfolios overseen by experienced advisers and specialist investment managers.
How does your managed portfolio service work?: Our managed portfolio services combine financial planning with discretionary investment expertise.

Mercer & Hole sets the overall strategy and governance, while a specialist partner provides discretionary portfolio management services, making day-to-day investment decisions within agreed parameters. This ensures your portfolio remains aligned to your objectives without requiring constant input from you.
What is the difference between a model portfolio service and discretionary portfolio management?: A model portfolio service provides a framework of portfolios aligned to different risk levels, while discretionary management allows professional managers to actively implement and adjust investments within those models.

Ocho combines both approaches, giving you the structure of a model portfolio with the flexibility of active portfolio management.
Who manages the investments within Ocho?: Ocho is overseen by Mercer & Hole’s investment committee, with day-to-day management carried out by a specialist firm.

This approach gives clients access to global investment managers and fund manager services, supported by independent oversight to ensure consistency and discipline.
How is Ocho different from other investment management companies?: Unlike many investment management companies, Ocho is fully integrated with financial planning and tax advice.

This means your investment management service is not delivered in isolation, but as part of a wider strategy designed to support long-term wealth, tax efficiency and financial security.
What types of portfolios are available?: Ocho offers a range of portfolios aligned to different risk levels, from lower-risk to growth-focused strategies.

Each managed investment portfolio is built using a mix of growth and defensive assets, creating a diversified investment portfolio service suitable for a range of objectives and time horizons.
Is Ocho an actively managed portfolio?: Yes. Ocho portfolios benefit from actively managed portfolio strategies within a defined framework.

This means investments are regularly reviewed and adjusted in response to market conditions, while still maintaining a disciplined, long-term approach.
Do you use third-party investment managers?: Yes. Ocho operates as a third-party managed portfolio service, combining Mercer & Hole’s strategic oversight with specialist external investment expertise.

This ensures access to high-quality international investment managers without compromising on governance or transparency.
Can portfolios incorporate ESG or responsible investing?: Yes. Where appropriate, portfolios can incorporate ESG considerations.

We can include an ESG managed portfolio service approach within your wider investment strategy, aligning your investments with your values while maintaining diversification and performance objectives.
How does this fit with broader investment management services?: Ocho forms part of Mercer & Hole’s wider investment management services, which include financial planning, tax advice and ongoing portfolio review.

This joined-up approach ensures your investment portfolio management services are aligned with your overall financial position, rather than managed in isolation.
Is this suitable for international investors?: Ocho may be suitable for clients with international interests, depending on their circumstances.

Mercer & Hole works alongside international investment advisers where required, ensuring portfolios are structured appropriately across jurisdictions.

Financial Planning Specialists

Iain Muffitt >

Financial Planning Managing Director

Michael McManus >

Financial Planning Director

Meet our people >

Disclaimer

Any investment will only be undertaken following an assessment of individual circumstances. Investments also carry risk and can increase and decrease in value and you may not get back the full amount invested.

Mercer & Hole Financial Planning is the trading name of M&H Financial Planning Ltd which is authorised and regulated by the Financial Conduct Authority – Number 710745.

Why work with us?

There is a huge amount of crossover with tax and financial planning advice, and we believe that clients benefit from comprehensive, professional advice where both our tax and financial planning teams are working together.

Industry Recognition
We are members of the Family Resolution panel made up of accountants, family lawyers, and other professionals committed to the constructive resolution of family disputes
Sector Knowledge
We can help with Retirement Planning, Court of Protection, Expert Witness, Divorce, Family and Pensions, and Estate Planning
Cross-Team Expertise
We offer you a truly joined-up service, with both our Financial Planning team and Private Client Tax team working together to give you the best possible advice
Accessibility
Four offices in London, St Albans, Rickmansworth, and Milton Keynes