Characteristics of our investment approach…
Some people (mostly on social media in 2021) will claim to know the secret to your future fortune. But the evidence overwhelmingly proves that in order to achieve miraculous returns, you need to either take an extreme level of risk or even worse, fall victim to a scam. We trust the process and the evidence which points towards the path to success being as follows;
Evidence based
We follow the vast amount of evidence that proves buying a broad range of good quality investments, holding these for the long-term and keeping costs low is a proven path to success.
Diversification
Whilst most people expect a portfolio of lots of different investments, rarely do they expect to hold as many as 9,000 unique assets. This is common with our investment approach.
Staying invested
Successfully timing markets is virtually impossible. If your timescales are not suitable to invest, we will tell you. Equally if these are, then will help you navigate the full journey to success.
Low cost
Markets drive returns, not individuals. As such, where possible, we will show you ways to access quality investments without paying eye-watering fees that deliver little value in return.
Tax management
More often than not, the tax treatment of your investments will have far greater impact on your returns that the actual investments you choose. Investing in a tax efficient way is our expertise.
Readily tradeable
It’s your money and as such, you should be able to access it as and when you need. We seldom recommend investments that have minimum tie in periods or are difficult to liquidate.
the path to peace of mind.
I don’t just simply give advice (that comes at the end). Before then, I will work with you tirelessly to build a comprehensive and visual lifelong financial plan to help you maximise your future and transform your money into a tool for happiness.
1.
ME & YOU
Get to know eachother. The person drives the money, not the other way around.
2.
It’s commonly understood that pensions, generally speaking, will provide some form of tax-free lump sum at retirement but there is often more to this than meets the eye.
Be sustainable
As part of a wider financial plan, people will likely access their pensions at different times and at different rates and whatever that strategy may be, it needs to work.
Deliver future growth
Pensions are a long-term investment and as such, are often invested to deliver future growth, inflation protection or a specific future income level. Make sure you understand these options.
Manage tax-efficiency
When combined with other savings and income, pensions can be used to balance your future tax liabilities and deliver more of the money you need each month to live your best life.
Leave a legacy
In some instances, pensions are suplus to requirements (in whole or part) for the wider financial plan to be successful and can form a valuable legacy to the next generation.