The tried and tested scientific process
With your long-term investment objectives, attitude to risk and investment time horizon in place, we can plan your investments and build your portfolio in line with your wishes and goals – starting with asset allocation.
A proven process
Step 1: Asset Allocation
The most important investment decision to make, asset allocation is the process of deciding how much of your portfolio to invest in each of the different asset classes. In fact, studies by leading investment academics found that an average of 94% of the variability in portfolio returns over ten years was based on asset class selection. Only 6% was attributed to market timing (when to buy or sell) and stock selection (investing in individual companies).
Our specialists will appropriately allocate your assets to help ensure your portfolio can fulfil your needs throughout your life, from low-risk investments to provide flexible and accessible monies in the short-term to the best long-term equity investing to match your attitude to risk and offer the right level of growth or income for that risk.
1 Brinson GP, Hood LR, Beebower GL (1986) ‘Determinants of Portfolio Performance’.
The Financial Analysts Journal July/August.
Step 2: Selecting the right vehicles
Having chosen the most appropriate types of asset for your short, medium and long-term financial needs, the next step is to determine the best savings and investment products, or ‘vehicles’ for them.
We will take into consideration the tax implications and assess which tax ‘wrappers’ will be the most efficient for your requirements, including ISAs, pensions and insurance bonds.
Alongside your cash investments, we will select appropriate funds for your medium-term spending needs as well as constructing your core portfolio for long-term investments.
Once your portfolio has been structured and allocated in order to meet your needs and aspirations, we will allocate management of each asset class to the appropriate specialist investment manager, selected for their consistent, stable and reliable performance.
Step 3: Review and Rebalance
Building your tailored investment portfolio is a comprehensive and in-depth process from the start.
Because the underlying features of funds within asset classes constantly evolve and change as do your own short, medium, and long-term goals, your Wealth Adviser will regularly review your portfolio strategically to ensure it is still on track to achieve your aims.
... we have found that having a more appropriate management of our finances means we can actually afford a private education for the girls and enjoy good family holidays each year