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Investment Selection

black berries on black surface
black berries on black surface
man and woman standing in front of brown concrete building during daytime
man and woman standing in front of brown concrete building during daytime

Evidence-Based Approach

Respected academic research supports an evidence based passive investment approach. Returns across asset classes are inherently unpredictable, as illustrated by the randomness of returns graphic below. This makes it challenging for active fund managers to consistently identify future winners and add value above the market average.

(Data Source: Ebi Portfolios Ltd and Morningstar Direct).

How We Select Investment Solutions

As Independent Financial Planners, our role is to select suitable investment professionals on your behalf. These providers have the specialist skills, resources and time to manage your money proactively. Rather than constructing our own model portfolios, our core investment selection process focusses on:

  • low-cost single fund solutions managed by professional fund managers; and

  • managed portfolio services (MPS) from discretionary fund managers (DFMs)

Default Portfolio Preference

Our default approach is to use index-tracking investment and pension solutions with low ongoing costs. This helps to reduce charges, allows clients to retain more of their long-term growth, and efficiently captures market returns.

Where possible, we favour globally invested portfolios. This provides the broadest diversification and can help to mitigate investment volatility.

PLEASE NOTE: We are not authorised to hold client money and will never do so.