Our investment approach

We will:

• Understand your financial situation and your existing investments.
• Establish your objectives, needs and timescales.

We will:

• Understand the amount of risk you are prepared to take.
• Understand the risk you might need to take to achieve what you want.
• Assess your ability to cope with a fall in the value of your investments.

We will:

• Recommend a suitable asset allocation for your portfolio.
• Take into account your ability to take risk.
• Build-in any personal requirements such as an ethical bias

We will:

• Analyse your existing investments, asset allocation, features and benefits.
• Determine changes required to remove unsuitable funds for others that better suit you.

We will:

• Explain the different approaches and agree which you prefer: whether that’s buy and hold, market timing, momentum investing or active asset allocation.
• Consider using a specialist investment manager.

We will:

• Complete quantitative analysis: Filter down every fund available based on data, including performance, volatility, risk metrics, size and sector coverage.
• Complete qualitative analysis: Consider investment process, strategy, manager.

We will:

• Analyse your tax position.
• Review all suitable tax wrappers based on your situation.
• Make recommendations to mitigate tax where possible.

We will:

• Analyse the costs involved for all the solutions we are considering.
• Ensure that the value to you justifies the cost.
• Ensure investment providers are financially robust.

We will:

• Confirm our specific recommendations and the underlying reasons.
• Demonstrate the effects of adopting our recommendations.
• Set out an action plan.

We will:

• Arrange new investments.
• Switch funds as appropriate.
• Update records.

We will:

• Provide regular valuations and review investment performance.
• Make adjustments to the portfolio as needed.
• Provide ongoing advice as required.