Our Investment Approach

Our appointed investment managers actively manage the asset allocation of your investments. However, unlike traditional active fund managers who tend to pick individual company stocks, they allocate your investment across low-cost index funds. This means that you still benefit from daily active management but with significantly lower investment cost when compared to managers focusing on individual stock selection as a way of generating returns.
 
Historically, the argument for higher costs with individual stock selection is that it will generate higher returns that will offset the higher charges for these funds. However, even where these active managers possess a stellar past performance track record, they cannot guarantee continued success in the future. But we do know that the higher charges they levy will always be guaranteed.

Our investments managers have significant expertise and resources at their disposal and look after assets with a combined value of over £2 Trillion. This gives us complete confidence that they will manage your funds in line with your long-term investment objectives and within an expected level of investment risk. In turn this allows us as your Financial Planners to focus on other important areas such as tax planning which can have a significant impact on your long-term returns.

Central to our advice process is ensuring that your assets are structured in the most tax efficient way possible. We will make the most of your available tax allowances and review these on an ongoing basis as your circumstances change. These tax savings can have a significant impact on your overall financial position.

Where appropriate we use a blended investment approach. This means that we combine a lower risk portfolio with a higher risk portfolio to meet your overall attitude to risk. This provides us with more flexibility when it comes to rebalancing your portfolio and adding new money to your investment. It also allows us to potentially capitalise on volatility in the markets and to avoid selling investments at the wrong time when you need access to your savings. Both can contribute to the overall return of your portfolio and help to preserve wealth for future generations.
 
In our experience, most client’s financial planning objectives can be fully met using our core portfolios as outlined above. However, we understand you may have more complex objectives or investment preferences you would like to consider. In this instance we can tailor solutions to meet your requirements. Although we would usually recommend that our core solution remains the foundation to underpin your financial plan.