Plan Investments

The return from an investment is the economic reward paid to you for accepting a certain degree of risk.

Every individual has a different and entirely personal attitude to risk. One investor may be entirely comfortable with a high level of volatility, perhaps encompassing years with actual monetary losses, in expectations of longer term rewards. Other investors may be deeply concerned about even small year on year fluctuations in value. Personal risk tolerance lies at the foundation of building a suitably risk-balanced personal portfolio.

To assist with our process of evaluating your attitude to risk, we ask you to complete an objective Risk Profile Questionnaire. The answers are fed into a system which analyses the data and produces a risk score. By using this system, we believe that we evaluate our client’s attitude to risk in a consistent way across all of our advisers and for all of our clients.

As all successful investment is a blending of the right degree of risk for the right reward, we work with you to create an overarching strategy coordinated across all of your investments. Our techniques help determine the appropriate portfolio best able to meet your long terms aims and objectives. Whether you are a cautious investor or speculative, we can build a strategy to meet your expectations.

Different investment objectives require different solutions. Furthermore, different solutions need to be selected to reflect the service you wish to receive from us. Please refer to our Service Proposition page.

Below you will find a summary of three different solutions we offer, each one designed to reflect different requirements:

Interactive portfolio management

This solution is suited to those investors who have a good working knowledge of investment markets. They wish to share responsibility for their investment decisions and take a degree of control over the investment structure and timing of their portfolio. More »

Having analysed your risk profile and investment objectives we will recommend a portfolio which has been specifically created to reflect your requirements. This approach utilises investment platforms also referred to as a ‘fund supermarket’. It also enables you to invest in a carefully selected blend of funds which each have their own investment objective and risk rating.

One of the main advantages of such a structure is that the best platforms offer access to an extensive range of funds from a broad range of different investment houses at a discounted cost. We will have the ability to switch funds and fund managers quickly and at no cost in addition to providing comprehensive analysis reports which measure, amongst other things, relative risk and performance.


Structured portfolio management

This solution is suited to those investors who recognise the importance of effective investment management but want to have little involvement in the investment decisions. More »

Having analysed your risk profile and investment objectives we will recommend a Multi-Manager fund or Discretionary Portfolio Management Service which has been specifically selected to reflect your requirements. These solutions may also utilise a ‘fund supermarket’ or 'wrap' if appropriate.

A Multi-Manager or Fund of Funds style means the management team has a broader mandate to create greater diversification than a single fund. This style comprises of many different asset classes all wrapped up to create a diversified portfolio.

One of the main advantages of this approach is that the responsibility for making the regular investment decisions is delegated to the fund management team. Their expertise means they can act quickly to make changes as required: asset allocating between different asset classes and geographical regions, picking the right funds and making tactical decisions. Your adviser will continue to monitor the behaviours and performance of the fund and its managers to ensure it remains fit for purpose.


Passive portfolio management

This solution is suited to those investors who are not convinced that investment management adds any value to the overall performance and equally want to have no involvement in any investment decisions. More »

Having analysed your risk profile and investment objectives we will recommend a Passive Multi-Manager fund which has been specifically selected to reflect your requirements. This approach may also utilise a ‘fund supermarket’ if appropriate.

The Passive fund selected is again going to be managed by an investment team but the fund is going to comprise of a selection of, typically, index tracking funds.

One of the main advantages of this approach is that the management charges are very often lower because there is less active management involved. The responsibility for making the passive fund selection, allocation and tactical decisions is delegated to the fund management team. Your adviser will continue to monitor the behaviours and performance of the fund and its managers to ensure it remains fit for purpose.

Please note: The value of investments and income from them may go down. You may not get back the original amount invested. A pension is a long-term investment. The fund value may fluctuate and can go down.

The impact of inflation on investments

A brief explanation from Peter Chadborn of why inflation must not be overlooked with long-term investments

A brief explanation from Peter Chadborn of why inflation must not be overlooked with long-term investments
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Building an investment portfolio

A brief explanation from Peter Chadborn on the basics of investing

A brief explanation from Peter Chadborn on the basics of investing
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