How we manage your money.
A straightforward walk-through of what a discretionary fund manager actually does - and where Quorum fits between you, your adviser, and your platform.
What does a DFM actually do?
A Discretionary Fund Manager - or DFM - is a regulated firm that makes investment decisions on your behalf. Your adviser tells us what you need (your risk profile, your time horizon, whether you want income or growth) and we then decide which funds your money is invested in, day to day.
"Discretionary" means we don't need to ask you before every trade. We work within the rules your adviser sets for your portfolio - but inside those rules, the investment decisions are ours to make and ours to defend. Your adviser focuses on the bigger picture of your financial plan; we focus on the investments inside it.
Crucially, we never hold your money directly. Your investments sit on a regulated platform that your adviser chose - Quorum just instructs that platform on what to buy and sell.
The three-party model.
Each party is independently regulated by the FCA.
The four steps.
From the first conversation with your adviser to your portfolio being live and managed.
Your adviser maps your risk
Using a structured questionnaire, your adviser determines how much investment risk is right for you.
We build the portfolio
Our four-person committee selects funds that match your risk grade on the platform your adviser uses.
We manage daily
We monitor markets, review fund performance, and rebalance when the portfolio drifts away from its target weights.
Your adviser reports back
Each month we publish commentary on what we did and why. Your adviser uses this in your reviews.
Common questions.
Things investors often ask once they realise their adviser has placed money with Quorum.
Will my adviser still be in charge?
Yes. Your adviser owns the relationship and the overall financial plan.
Do I have to do anything?
No. Once your adviser sets things up, the portfolio runs itself.
Can I see what I own?
Yes — your platform provides full visibility of every fund in your portfolio.
What if I want to leave?
Speak to your adviser. They can move you to a different portfolio, a different manager, or out of investments altogether.
Ready to speak with
an adviser?
We can suggest advisers in your area who use Quorum portfolios and have capacity for new clients.