Investment Planning
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Why and when to invest
Investing should be to meet your own longer term goals. Your planned expenditure and some emergency cash should always be ringfenced so that investments don't need to be accessed in the early years.
We need to establish:
- Your future plans
- Your timescales
- Your attitude to investment risk
- How much accessible cash you should retain
Investment risk
Risk and reward go hand in hand and you need to be comfortable with the level of fluctuation in capital values that might occur on your portfolio. We use various tools to assess and measure your risk tolerance and talk about it so that you appreciate the range of possible outcomes from your portfolio over time.
Asset allocation
The most important decision relates to the mix and proportion of equities (shares) fixed income securities (government and corporate bonds) cash, commercial property and other assets that will be held. Academic research suggests that this process, called ‘asset allocation’ is the key to successful investing and that stock picking and trying to time the market are much less relevant in the longer run.
Our Investment Philosophy
We believe that it is extremely difficult for anyone – including professional fund managers – to beat the market in the long term. Therefore we think it makes sense to begin by considering funds that follow an index. We build investment portfolios using a range of low cost UK and global funds to match your financial planning objectives.
links to:
Investment Philosophy
Asset Allocation
The Case for Passive Funds