Consumer Duty

Introduction

At RBIM Investment Management, our business is founded on trust, transparency, and professional partnership. We recognise the importance of the FCA’s Consumer Duty and are fully committed to delivering good outcomes for clients — both directly and through the advisers who recommend our portfolios.

Although RBIM operates on a discretionary basis and works exclusively through regulated financial advisers, we acknowledge our shared responsibility to support advisers in meeting the Duty and to ensure that the services we provide are consistently in the best interests of end clients.

This statement sets out how RBIM meets the expectations of the Consumer Duty across all four outcome areas.

Our Role

Design and manage model portfolio services (Compass and Atlas ranges).
Provide investment oversight, rebalancing, and manager research.
Make strategic and tactical decisions in line with risk-mandated portfolio designs.
Deliver portfolios through regulated investment platforms.
Do not provide advice, hold client money, or distribute directly to retail clients.

All investment decisions are made in accordance with predefined mandates, based on the risk profiles and preferences determined by financial advisers.

How We Meet the Duty

Products and Services

We design portfolios to meet the needs, characteristics, and objectives of clients served by financial advisers. Each portfolio:

Is risk-targeted, diversified, and clearly documented.
Has a defined Target Market Assessment, reviewed annually.
Avoids excessive complexity or unnecessary risk layering.
Is accessible via multiple FCA-authorised platforms.

We provide advisers with up-to-date factsheets, risk metrics, and Consumer Duty documentation to support suitability assessments.

Price and Value

Charging a proportionate and transparent DFM fee.
Regularly reviewing underlying fund costs and the Ongoing Charges Figure (OCF).

Consumer Understanding

We equip advisers with clear, jargon-free documentation to enable confident client communication. This includes:

Plain English factsheets and quarterly updates.
Explainer content (e.g., ‘What is a model portfolio?’, ‘What does risk mean?’).
Client-facing website pages designed for accessibility and clarity.
Training and support for advice firms to understand our proposition.

We maintain transparent disclosures around portfolio design, platform integration, and cost.

Consumer Support

Although RBIM does not interface directly with end clients, we support the advisory process by:

Being accessible to advisers for queries, briefings, and escalation.
Responding promptly to platform or adviser enquiries.
Issuing clear communications regarding portfolio changes or market conditions.
Ensuring advisers are never left without support or information.

Our governance framework includes regular reviews of adviser feedback, operational performance, and oversight mechanisms to ensure clients remain well-served.

Oversight and Governance

A documented Consumer Duty Framework, reviewed annually.
A dedicated Consumer Duty Champion at senior management level.
Quarterly reviews of product outcomes, pricing, and adviser feedback.
Policies including Conflicts of Interest, Remuneration, and Target Market Assessments aligned with Duty expectations.

Our Commitment

Designing and managing portfolios that deliver long-term value.
Supporting advisers in their delivery of fair, informed advice.
Monitoring outcomes with care, transparency, and professionalism.
Acting in the best interests of clients at all times.

For more information, please contact: mail@rbim.co.uk