Investment Solutions

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 you can get on with the rest of your life. We pride ourselves on offering simple, honest, plain-talking investment advice that makes sure 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 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.