Investment Selection

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

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

As Independent Financial Planners, part of our role is to select the best investment professionals on your behalf, as they will have the specialist skills, resources and time to manage your money proactively. Therefore, rather than attempting to construct our own portfolios, our core investment selection process is to use low-cost single fund solutions managed by Professional Fund Managers, or Discretionary Managed Portfolio Services.

Our default approach is to use index-tracking investment and pension solutions with low ongoing costs, as this helps to reduce costs, enabling clients to retain more of their long-term growth, whilst efficiently capturing market returns.

Where possible, we favour globally invested portfolios, because this ensures your money achieves the broadest diversification, helping to mitigate investment volatility.

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