The below comments are taken from our last periodic satisfaction survey conducted in 2018
Whether you are looking at your investments as a means of accumulating greater wealth in the future or if you are looking to take income from your accumulated savings we will be able to design a portfolio for you to meet these requirements. You may also be looking at preserving what you have for later life or future generations and we have the solutions that give us the best opportunity to meet these needs’.
Our basic principal is one of diversity as putting all eggs in one basket is rarely the correct strategy and one that carries lots of risk. Using a combination of assets we look to balance performance with risk tolerance.
Investing purely in growth assets without considering diversification has the potential to produce higher returns, however carries a higher degree of risk in a market downturn. This is why we always consider diversification within a portfolio. This can help to reduce the risk and can produce a more dependable return.
Our basic strategies revolve around the use of investment funds rather than the more risky purchase of shares in individual companies.
We look to pick funds with consistent long term track records against their sectors and benchmarks. We favour managers with established career histories of out performance and those who offer something unique compared with the competition. We also combine passive and active funds to give a full coverage of the investment universe.
As well as what investments to choose timing can be of crucial importance in securing good long term results. Once we have established the best investments for you given your risk tolerance, we would then decide on the timing of the purchase or sale of these assets. We will move between different assets and markets dependant on the business cycle with the aim of producing the best results we can.
We may at times hold cash waiting for markets to adjust downwards or we may be fully invested.
In an ideal world we would all like to see our wealth increase without taking any chances. In reality the two are interlinked. You cannot make gains without taking some risk. There are a number of different assets you can invest in, each carrying its own type of risk. Growth investments such as direct Equities or equity based funds carry a different level of risk to Fixed Interest and Bond investments, which are more defensive .There is also cash, absolute return funds, infrastructure funds, property and property funds, currencies and commodities to consider.
Using your selected risk profile as the starting point we constantly seek to balance the performance with the risk.