Services

Investment Advice

Your investments are a critical component of your long-term financial plan.

Achieving your goals often depends on the success of your investments. We believe that investment decisions should be based on evidence, not tactics, gut feeling or fashions. That keeping costs down is critical to future returns and that passive investments are more consistent and outperform active investments over the medium to long term. This is backed up by academic evidence. Likewise, esoteric and expensive products such as hedge funds and structured products are to be avoided. As is trying to time the market.

Our Evidence Based Investment Philosophy

As an Independent Financial Adviser, we look at the whole market when designing your investment proposition and use best in class product providers.

You will have online access to your portfolio with regular reporting on performance.

We can also advise on Ethical Investments and tax advantaged portfolios utilising Venture Capital Trusts (VCT) and Enterprise Investment Schemes (EIS). 

 

 

 

 

Our Portfolios

A mix of assets is called a ‘portfolio’. Portfolios are good because they spread your wealth and therefore your risk. If appropriate, we may recommend one of our 11 ‘model’ portfolios. Each portfolio has a set weighting of growth assets (riskier assets such as equities and property) and defensive assets (such as bonds and cash). This results in each model portfolio having a specific risk profile. The lowest risk portfolio will contain no risk assets and the highest risk portfolio will have a 100% allocation to risk assets. We decide on the appropriate risk profile or risk allocation depending on your personal attitude to risk, capacity for loss and your financial goals.

 

Sample Portfolio

Sample only – a solution appropriate to your goals, needs, attitude to risk and capacity for loss will be recommended.

Get clarity, gain confidence, and stay in control of your financial plan.

Past performance is not a reliable indicator of future performance. The value of investments may go down as well as up and you may get back less than you invest.