Notice: PORTFOLIO UPDATE AND MARKET OUTLOOK FOLLOWING RUSSIA INVASION OF UKRAINE arrow-right

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Following the recent invasion of Ukraine by Russia, we have written a portfolio update and market outlook. You can view it here

Investment Solutions

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We believe that effective Investment Management stems from robust and consistent investment strategies. Learn more about our investment philosophy below or please get in touch with our team today.

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An investment in knowledge pays the best interest.
Benjamin Franklin

All our portfolios have the following characteristics:

  • Pre-agreed risk budgets
  • Multi-asset classes to diversify and reduce risk
  • A core strategic asset allocation with a tactical overlay to maximise opportunities and reduce downside
  • Inclusion of both active and passive funds
  • A medium to long-term approach which does not attempt to time the market
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Further information about Investment Management:

Investment Management
Our dedicated team of investment specialists...
Our dedicated team of investment specialists will provide you with comprehensive Investment Management advice and services.
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Investment ManagementInvestment Process
Our investment plans process can be summarised...
Our investment plans process can be summarised in 5 stages:
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Fiducia Wealth Management have a true gem with Susie as part of their team

My mother used Fiducia Wealth Management for her financial advice and was extremely satisfied with their service. Seeing first-hand what a sound company they were I was happy invest with them, and have to say am more than satisfied in having Susie Laws acting as my Financial Planner. She is extremely diligent in her work, incredibly efficient (I cannot stress that enough) and, well in short, an absolute delight to work with. Having someone who takes time to understand your needs, provide qualified advice which is genuinely in your best interests as well as always being on hand to answer any queries and to go the extra mile(s) to assist you is not that easy to find. Fiducia Wealth Management have a true gem with Susie as part of their team – it is a privilege to be their client.
Jo Purcell

Susie has demonstrated a firm understanding of my requirements and I am only too happy to endorse her service skills.

For the past year, Susie has been actively involved in converting my pension investments, currently held in a SSAS, into a SIPP. Throughout the whole process Susie has demonstrated a firm understanding of my requirements and I am only too happy to endorse her service skills.
John Mellanby Managing Director - Essex

My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this

Susie has guided me in terms of my pension and personal investments in a very professional way. My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this which has encouraged me to put further faith and business in her hands.
Mr Ashton

The team at Fiducia took the time to really understand my circumstances and plans for the future and were able to tailor a suite of options which in the ensuing period have really helped move my investments forward.

The team at Fiducia took the time to really understand my circumstances and plans for the future and were able to tailor a suite of options which in the ensuing period have really helped move my investments forward.
Alex Managing Director, Chelmsford, Essex

Gordon Kearney and his team at Fiducia have been fantastic in helping me bring all my investments under one umbrella. His expertise and thoroughness has given me the confidence to take a back seat and get on with what I do best.

Gordon Kearney and his team at Fiducia have been fantastic in helping me bring all my investments under one umbrella. His expertise and thoroughness has given me the confidence to take a back seat and get on with what I do best. Everything we have done over the last two years has been clearly explained and with utter transparency. His background knowledge and ability to produce figures and statistics of any product under discussion has meant that I feel the right decisions have been made at every stage in the process of creating wealth for whatever future eventuality.
Tim Managing Director, Colchester, Essex

Fiducia have treated me so well over the years, moving my money around so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to ‘safe’ investments…

I have had my pension with Fiducia for many years. I am not a big investor. Fiducia have treated me so well over the years, moving my money around so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to ‘safe’ investments, as the referendum was about to happen and as we have seen this was excellent advice. This is why they are so good. They suggest actions to the client and are in frequent contact. Previously I was with two different companies and was basically left alone and when I was contacted, it could be from any number of people, whereas the same person has always dealt with me at Fiducia... I have watched this company grow, always putting the client needs first and not just those with large pension pots!
Mrs Clibborn Business Owner, London
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InvestingNews & Case Studies

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Fiducia Wealth Management Posted in Financial Planning, Fund Manager Q&A (+3 more), on 26.05.22 Read The financial marketplace continues to experience such unprecedented upheaval. Eye’s have moved from the impact of the...

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Read more about Investment Management + -

Whatever your long-term objectives, whatever the size of your portfolio, our investment management services are built around one guiding principle – letting your investments do the hard work, so you don’t have to.

Our dedicated team of seasoned specialists will help you with all of your investment plans. We believe that success in financial investments stems from robust strategies, careful and thorough planning, and maintaining clear oversight of performance across your portfolio.

We offer our expertise to manage the full process so that you can get on with the rest of your life. We pride ourselves on offering simple, honest, plain-talking investment advice that ensures you are kept in the picture and, most importantly, delivers results.

In delivering our investment services, we follow a five-step process that has become a tried and tested formula for success. Our first priority is to understand you, your circumstances and your aspirations in relation to your investment plans, so that we can tailor our approach to meet your expectations.

At the outset of our relationship, we will ask about your:

  • Attitude to investment risk
  • Expected time scales for returns
  • Future cashflow requirements
  • Tax liabilities
  • Present and future income needs
  • Overall financial planning goals.

We offer a full and flexible range of investment strategies, suitable for everyone from the most cautious to the most adventurous investors. Whether you are seeking income, growth or a combination of the two from your financial investments, our strategies can be adjusted to meet every requirement, and for portfolios of any size. We offer a fully bespoke service on portfolios with values in excess of £1million.

Visibility is key to how we approach investment management. From the outset, we will seek to consolidate all of your investments into a single portfolio for convenience and ease of access. This will be actively monitored on a regular basis and available to view online at any time.

Throughout the investment cycle, we provide you with regular reports and review recommendations, including valuations, performance and market overviews.

Asset allocation

A large part of the investment advice we offer will involve recommending assets to you. This is why we are so thorough about understanding your circumstances and objectives in the first place – we need to know what you wish to achieve so we can recommend the right assets to achieve your goals.

Your attitude to risk is vitally important here. There is always a balance to be struck between high, rapid returns and protecting what you have – in short, the bigger you aim, the bigger the risk. By getting to the crux of how much risk you are prepared to take on, we can make sure we only recommend investments that are within your level of tolerance.

Our investment services include pre-agreed budget risks, and we will seek to diversify assets across multiple classes to reduce risk.

Unlike many firms, we prefer to take a forward view with our asset allocation strategies. Using historical data to judge asset performance is fine as a guide, but what really matters is how an investment performs in the future, not what has happened in the past.

We work closely with former JP Morgan and Baring Chief Investment Officer, Michael Hughes, to develop a strategic asset allocation approach based on a robust economic forecasting model for a decade ahead.

Investment philosophy

At Fiducia Wealth, we do not believe in leaving anything to chance. We believe strongly that putting together and managing successful investment portfolios requires clear thinking and a consistent approach. We therefore place a lot of value in having a defined philosophy to underpin our strategies.

Across all of our portfolios, we operate according to the following maxims:

Pre-agreed budget risks

Whenever we recommend an asset for a client to invest in, we see it as critically important that it fits within a predetermined risk profile. We always start our investment management relationships with a thorough assessment of each client’s attitudes and capacity to absorb risk. Once we agree a level of acceptable risk, we use this as a guiding principle for the recommendations we make.

Diversity in asset classes

The best way to minimise risk across an investment portfolio is to maintain a diverse range of asset classes and investment options. For every high risk, high gain option, we seek to achieve a balance with a more stable, slow burn strategy. Spreading investments across as wide a spectrum as possible gives our clients the best possible chance of a positive outcome in the end.

Hybrid asset allocation

Asset allocation is often defined in investment circles as either strategic or tactical. A strategic allocation approach focuses on having a blend of assets with the aim of achieving the best possible gains over time, while tactical allocation is more about ‘playing the markets’, trying to take advantage of the inevitable ups and downs financial markets go through by buying and selling at the optimum times.

At Fiducia Wealth, we believe there is room for both approaches. While we base our approach on a core strategic asset allocation, we will also actively manage every portfolio so tactical opportunities can be taken advantage of wherever possible.

Inclusion of active and passive funds

Investors are often sold idea that active fund management is always better than passive, which effectively lets a computer sit and watch the market fluctuations.

While this is true in some investment areas, in many even the most talented and experienced fund managers fail to beat the markets they claim mastery of. We will actively monitor markets as and when there is a realistic chance of gaining an advantage. When there isn’t, we are happy to let strategic assets play out over time, and charge you less as a result.

A long term approach

Our philosophy is centred on the view that the safest, most robust investment strategies come to fruition in the long term. By analysing risk and diversifying assets, you can, given the right time frame, achieve almost any wealth and income objective, as you allow fluctuations in gains and losses to balance out in favour of growth.

As part of this philosophy, we do not make calls on market timing. Decisions to invest or not invest, buy or sell, should be made on present market conditions, not future predictions which inevitably introduce a whole new element of risk.

 

Gain further insight to all things financial

Watch the Fiducia YouTube channel for our Economic and Market updates.

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ECONOMIC UPDATE Q&A WITH MICHAEL HUGHES | Fiducia Wealth Management | May 2021

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As an Independent Financial Adviser (IFA) Fiducia Wealth Management provides first class financial and investment advice from our offices in Dedham, near Colchester on the Essex Suffolk border and in Chelmsford, Essex. Fiducia Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. This site is for information only, and does not constitute financial advice.

© Fiducia Wealth Management, Dedham Hall Business Centre, Brook Street, Dedham, Colchester, Essex CO7 6AD. Also find us at Saxon House, 27 Duke Street, Chelmsford CM1 1HT. No unauthorised reproduction is permitted without prior consent.

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