Investments
Investments
We will carry out a personal investment risk profile analysis, prior to recommending any suitable investment strategy for our clients.
In this we assess your risk tolerance, investment time frame and comfort with volatility to tailor your portfolio.
The volatility ranges and levels are known as ESMA risk ratings, and play an important role in advising clients and represent the the first layer of robust investment risk management.
Managing long-term volatility within set target ranges, is hugely important, but so too is an understanding the dangers of behavioural bias, recency bias and herd mentality, which can erode the importance of diversification or lead to efforts to time markets.
We In making our recommendations, we utilise leading analytic fund comparison tools, to provide us with important market data and to compare individual fund performance, volatility and value, against market peers.
We will also display and explain our use of Total Expense Ratios (TERs) as well as historic volatility measurers, relevant to your Investment Bond, Pension Plan, or ARF. All this provides genuine cost transparency, alongside the implementation of appropriate risk and reward structures.
Investments
Our investment philosophy is not only about employing appropriate asset diversification, but where appropriate, strategic fund manager blending.
We have an active bias, but also leverage passive cost-savings, whilst always employing both growth and value stock considerations.
Every portfolio is aligned with its investment time horizon, but for those higher risk investors, you can also choose to employ a level of built-in downside protection (put options and gold stabilization), as well as currency hedging, as may be required.
Over your investment time horizon, the appropriate use of passive indexed funds, together with competitively costed active fund holdings, will help you avoid unnecessary charges.
Cheaper passive holdings alone, cannot react to market volatility like active can, and as market dips are inevitable, sufficient time to recover is essential. We construct client portfolios on a bespoke basis, but with an active bias.
Market conditions will change. We actively monitor your investments performance, and when needed may rebalance its allocation. We will also help you understand the danger of behavioural bias and impulsive decision-making in any market cycle.
Investments
Our investment solutions create diversified portfolios across multiple asset classes and managers, with full implementation and ongoing monitoring.
We preference active, top-down managers, focusing first on macro factors before analysing sectors or companies. This contrasts with bottom-up investing, which starts with individual companies. Blending both approaches, along with active and passive styles, helps hedge portfolios effectively.
1. Core Fund Selection
The core fund forms your portfolio’s foundation, providing broad diversification, risk control, and alignment with your risk profile and investment horizon.
2. Satellite Allocations
Satellite allocations complement the core, capturing opportunities and managing short-term risks without disrupting the overall strategy.
3. ARF Sequence Risk & Currency Hedging
For ARFs, we manage sequence risk to smooth withdrawals and apply currency hedging where needed to protect against market fluctuations.
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