Investment advice
"Investing is underpinned by a vast amount of evidence and should be driven by the outcome you want to acheive. Otherwise you are simply gambling."
Outcome driven investing…
When we recommend and build investment strategies for our clients, we spend time to understand their goals so that we can factor these into their portfolios. An investment designed to provide a lump sum in 10 years will be different to a portfolio designed to deliver an income from day one. That said, most investments that we recommend have some common characteristics.
Future growth
An investment needs to exhibit a potential for future growth. Investing carries a degree of risk and a level of return over an above a risk free rate of return is a key characteristic of investing.
Many eggs, many baskets
It is a widely accepted notion that investments should be spread across many different assets. Whilst backing the winning horse can pay off, backing a losing one can lead to catastrophe.
Risk managed
The need to take risk is the deciding factor in which investments we recommend and is driven by the desired outcome. For this level of risk, we will target the highest return.
Transparent
If we can’t explain an investment in jargon free language then it is likely because it is too complex for your needs. We recommend investments that are transparent and easily understood.
Liquidity
Life has a funny way of throwing us the unexpected. It is important to be able to access your investments within a reasonable timeframe should the need arise.
Regulated
You don’t have to look far these days for unregulated investments that promise the earth. If something looks too good to be true, it usually is. We only recommend regulated investments.
Characteristics of our investment approach…
Some people (mostly on social media in 2021) will claim to know the secret to your future fortune. But the evidence overwhelmingly proves that in order to achieve miraculous returns, you need to either take an extreme level of risk or even worse, fall victim to a scam. We trust the process and the evidence which points towards the path to success being as follows;
Evidence based
We follow the vast amount of evidence that proves buying a broad range of good quality investments, holding these for the long-term and keeping costs low is a proven path to success.
Diversification
Whilst most people expect a portfolio of lots of different investments, rarely do they expect to hold as many as 9,000 unique assets. This is common with our investment approach.
Staying invested
Successfully timing markets is virtually impossible. If your timescales are not suitable to invest, we will tell you. Equally if these are, then will help you navigate the full journey to success.
Tax management
More often than not, the tax treatment of your investments will have far greater impact on your returns that the actual investments you choose. Investing in a tax efficient way is our expertise.
Readily tradeable
It’s your money and as such, you should be able to access it as and when you need. We seldom recommend investments that have minimum tie in periods or are difficult to liquidate.
Low cost
Markets drive returns, not individuals. As such, where possible, we will show you ways to access quality investments without paying eye-watering fees that deliver little value in return.