An investment approach that considers the full picture
The value of investments may go down as well as up and you may get back less than you invest. Past performance is not a reliable indicator of future performance.
Our investment philosophY
Portfolios need managing not drifting
We often come across clients with pension/ISA/investment portfolios that have been drifting aimlessly for many years because they’ve not been managed. The result is often poor performance, unsuitable levels of risk, and no coherent strategy. Most importantly, it’s not just about numbers on a screen, because if things been sorted out sooner, it might have been the difference between retiring early or not. We believe your portfolio should be taken seriously and fully optimised because the impacts of not doing so are life changing.
A globally diversified portfolio
The key driver of long term returns is exposure to equities (shares of companies). The higher exposure to equities, the higher you would expect long term returns to be. Lower risk assets, such as bonds, are included in portfolios as a means of lowering volatility, however this comes at the expense of higher longer term returns. Having a portfolio which is diversified across sectors and geographies, acts to protect against having ‘all your eggs in one basket’, because different elements of the portfolio rise and fall at different times.
Volatility vs long term returns
Although investment volatility is normal, we’re all human and many of us get quite uncomfortable when our portfolio declines in value temporarily. However, we must remember that nothing is static and even cash fluctuates daily against other currencies, sometimes sharply. Our investment approach is data driven and aims to achieve the optimal balance of short term volatility and long term performance.
portfolio construction
We have analysed and dissected hundreds of investment/pension portfolios and have a comprehensive understanding of what works vs what doesn’t, and why. This investment expertise has enabled us to develop our own in-house range of model portfolios that achieve the right balance of costs, risk, and performance. Alternatively, we can create bespoke portfolios where this is more suited to the client, or use external solutions, or a combination.
The value of investments may go down as well as up and you may get back less than you invest.
Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.
A pension is a long-term investment and the value is not guaranteed. Any advice or considerations are personal to each individual’s circumstances.
Past performance is not a reliable indicator of future performance.