Our investment approach

No two clients of ours have the same investment portfolio.

Instead, we base your portfolio on your unique objectives and risk profile, picking investment funds based on a tried and tested approach of quantitative and qualitative analysis.

This is the process and approach that we follow:

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.

Chambers Smith is authorised and regulated by the Financial Conduct Authority. You can find Chambers Smith on the FCA register by clicking here. Registered in England & Wales. Company number: 06674780. Registered Office: 2 Cheapside, Derby, England, DE1 1BR.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details can be found by clicking here.

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. The FCA does not regulate tax or estate planning.