Investment Plans Process & Analysis

Our investment plans process can be summarised in 5 stages:

Understanding your objectives

We believe that a suitable portfolio can only be designed with a full and detailed understanding of your investment objectives, your risk attitude and your tolerance to risk. At the very heart of our investment process is the consideration of how much risk your portfolio should take. As a result, all of our portfolios have a clearly defined risk categorisation.

Strategic asset allocation

Many firms provide their clients with pre-determined asset allocations that depend heavily upon historical data. While we appreciate the value of such data, we believe that investment portfolios should be forward looking and reflect the economic landscape in which we live in today, as well as those we are likely to experience in the future. Michael Hughes CBE has worked with us to develop a strategic asset allocation model which brings together an informed view of the global economy spanning the next decade. This disciplined approach informs our views of asset allocations which are the framework of our investment process.

Tactical changes to asset allocation

We will make short-term tactical shifts in asset allocation based on current research, investment analysis of markets and other key indicators. This enables us to highlight opportunities to add to performance or to take risk off the table.

Disclaimer: This graph is for illustratory purposes only,

Fund manager selection and market conditions

We have developed our own structured and sophisticated fund manager selection process, which starts with screening all approved UK funds. This identifies a quantitative shortlist to which we add a qualitative overview.

Monitoring and managing the portfolio

Our reporting to you refers back to the original objectives and provides analysis of the asset class and fund manager performance. We monitor the portfolios constantly within our risk management system, which integrates technology and professional judgement into each stage of the investment process.

If you take no risks, you will suffer no defeats. But if you take no risks, you win no victories.

Richard M. Nixon

All of our portfolios are actively monitored on a regular basis and can be viewed online at any time. We provide you with regular reporting and review recommendations, including valuations, performance and market overviews.

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.

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. 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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