Integral link: John Porteous on CIPs and financial planning

A centralised investment proposition (CIP) can take many forms. With widespread adoption of platform technology (now arguably reaching greater maturity in the retail investment space), structured investment programmes have become prevalent within the value proposition of most advice firms. Platforms have accelerated the evolution of model portfolios with improving functionality around bulk rebalancing and the management of strategy drift. Indeed, portfolio management tools have become so sophisticated, there is an emerging risk that firms may inadvertently test the boundaries of th...