Investments
Investments
All financial advisors must carry out a personal investment risk profile analysis, prior to recommending any suitable investment strategy for their clients.
This risk and reward profiling is to help place clients within their appropriate investment risk rating, taking plan type, time horizon and risk affordability into account.
These volatility levels are known as ESMA risk ratings, and play an important role in advising clients, but this represents only the first layer of robust investment risk management.
Managing long-term volatility within set target ranges, is hugely important, as is an understanding the dangers of behavioural bias, recency bias and herd mentality.
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.
In making our recommendations, we will also display and explain our use of Total Expense Ratios (TERs) as well as historic volatility measurers, relevant to your portfolio. This provides genuine cost transparency, leading to 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 leverage passive cost-savings, where market conditions allow, 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 bespoke investment solutions involve the construction of diversified portfolios spanning several asset classes, as well as investment managers, and includes the full implementation and monitoring of a long-term critical plan.
We preference active, top down investment managers, who actively manage your fund focused on the macro factors of the economy, before examining micro factors such as specific sectors or companies.
Top-down investment strategy can be contrasted to bottom-up investing, which prioritizes the performance and fundamentals of individual companies before going to macro factors.
Blending both strategies (allowing for our top-down bias), as well as active and passive styles, can play a part in hedging overall portfolios.
Get in touch
Schedule your free consultation now.
OneQuote Financial Brokers,
11 James’s Terrace, Malahide,
Co. Dublin, K36 CV08
One Quote Financial Brokers is regulated by the Central Bank of Ireland no: 459006.
©2023 All Rights Reserved.
Web Design by Juvo.
