Each client’s needs are different but our core investment philosophy is constant and based on two simple tenets. The first is that we recommend investments which aim to provide long term “real” returns. This means that we look for sustainable investment returns which have the potential to beat inflation and fees and, therefore, the purchasing power of a client’s income and capital should grow over time.
The second is that by having a well-constructed, repeatable and robust investment process in place, our advisers have the tools and flexibility to build individual portfolios that best meet our clients’ needs, allowing them to achieve their individual goals.
Our investment process is linked to our approach to investment risk. We prioritise each asset class, having viewed them through the lens of long term capital gains and losses, and then apply a rigorous research process to refine the many different investment products down to a manageable universe; we call this our Core List and from this list the client portfolios are built.
It should be noted that we provide an advisory service which means that no investment decisions are made or implemented until they have been fully discussed, understood and agreed at each stage of the process.
Different portfolios are needed to achieve diverse goals and whilst there may be some commonality in the holdings, there are likely to be individual differences reflected in the asset allocation and investment selection, reflecting the needs of each individual client.
Portfolios normally hold a broad spectrum of investments which aim to provide diversification. The range of investible assets includes cash, bonds, equities, property and alternative assets such as infrastructure and absolute return funds. Specialist and higher risk investments such as EIS and Forestry Investments may be included as appropriate.
In order to access this range of assets we will research and use OEICs and unit trusts, investment trusts and exchange traded funds (ETFs).