Investment approach

Every time an investment is bought or sold, there are associated costs such as dealing charges, bid/offer spread and stamp duty, which are not built into the on-going charge figure. Over time, charges can erode your returns.

It’s important to us that you receive excellent value for money. So, as well as ensuring you receive good value for money in terms of the management, platform, and underlying investment charges, we also keep a close eye on any hidden charges. We operate an open structure and disclose all charges applied to the investment solutions on our CIP, to ensure you are not hit with any unexpected costs.

Each asset class reacts differently to economic events meaning that often one will be increasing in value at the same time as another is falling. Combining these assets together means that over time the portfolio should produce positive returns as well as reduced risk. Diversification between asset classes is therefore something we recommend for all but those with the very highest and lowest risk profiles.

Building on the principle of diversification, this is where we decide the proportions of each asset class we invest in, the geographical split for the most appropriate level of risk and the expected return. Over time, our clients’ best chance of meeting their objectives is to invest in line with this Strategic Asset Allocation.