Diversification

 

Almost all experts accept that asset classes behave differently depending on prevailing market conditions. For example, equities generally avail the greatest long-term return, but also give the bumpiest ride along the way.

At the other end of the spectrum, cash investments give a reliable return each year but usually a lower overall gain is achieved over the long-term; and this return can be below inflation thus providing a loss in real terms.

In order to provide a well-balanced portfolio, investment across a range of asset classes is essential.

 

Strategic management

 

In order to maximise the potential of a diversified portfolio, expert management of the portfolio is required. In times of great growth it is often best to be invested in risk assets, such as equities and commodities, whereas in times of recession defensive assets such as cash and Government debt can perform better.

Knowing when to move from cash to equities (for example) is a great skill and markets move every time. However, by taking a medium or long term view, expert managers can move between investment classes at opportune moments in line with an overall strategy.

The ability to manage asset allocations across a diversified portfolio is known as strategic management, and is vital to ensure that investors are in the right assets at the right time.

 

Real Return mentality

 

When recommending an investment solution we like to treat your money as if it was our own. We don’t want to lose it and we aim for a solution that provides reliable growth year on year.

We look for managers that have performed relatively well in Bear markets (when markets are falling) and by placing an emphasis on not losing money in difficult economic times, such managers are best placed to provide a reliable long-term return.

The overall aim is to provide a ‘real’ return (a return in excess of inflation) but with significantly less volatility than comparable investments available in the market place.

 

Investment range

 

We recognise that each investor has individual needs and can afford to invest different levels of capital. We also appreciate that an individual’s investment needs change over time.

Whether you are making your first investment from a limited budget or are an experienced investor with independent wealth is likely to determine the type of service you require. We have therefore identified investment solutions offering different levels of sophistication, but all managing money in line with our prevailing ethos.

 

Investment Risk

 

One of the most important factors when choosing an investment is establishing the level of risk appropriate for each individual. We have a range of investment solutions to match whatever degree of risk you are willing to take.

Furthermore, each investment is run in a closely risk-controlled environment to ensure it remains suitable for you over time.

 

Ongoing Governance

 

The investments we recommend are reviewed on a regular basis to ensure that they remain suitable for our clients’ needs.

We also analyse performance and volatility figures to ensure each proposition is performing and also review regulary our providers costs to ensure great value for our clients.