The investment approach

 

One of the most common questions we are asked is how we invest. We use a highly structured process that looks at you as an individual and builds the investment around your needs..

Investment Strategy

Our investment strategy is based upon superior integrated wealth management, which requires 2 key disciplines blended together in a seamless manner. We spend our time ensuring we continuously understand your needs and objectives, now and in the future, through our Financial Life Planning Process’, and by building you a Lifetime Cash Flow Forecast. The latter helps you understand how the decisions you make today will impact your financial future.

 

Investment Risk

Rather than use a traditional Risk Profile Questionnaire we aim to understand what level of investment risk is appropriate to you and your investments through Behavioural Finance Analysis. The behavioural model delves into your financial personality and aims to get a better sense of your attitudes, preferences and tolerances.

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WRAP Based Investing

WRAP based investing, using WRAP platforms, allows you to access Discretionary Investment Managers, the underlying investment funds as well as tax wrappers such as ISA accounts, Pensions Bonds in an easy to manage, flexible and low cost environment. We use a WRAP Platform that offers both a % based fee structure and a fixed fee structure to ensure that larger portfolios (typically >300,000) are not disadvantaged by % based fees as happens with many solutions in the market.

Portfolio Construction

We believe everyone is different, so when we undertake portfolio construction for our client, this requires a bespoke portfolio rather than an off the shelf solution. We use a blend of two theories to build our portfolios.

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Risk VS Return

When building portfolios in this style, they are almost all different. As a result, we can specifically target the level of return you need to achieve to realise your financial goals. The level of risk vs return is a key feature of these portfolios. Often by truly understanding your financial goals you can afford to take less risk than you otherwise might, which can lead to more consistent returns and less chance of something going wrong.

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