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How Covid-19 is affecting wealth management and our services. Our team continues to be fully operational during these unusual times. As ever, we look forward to servicing you at the very highest standard. For further details on our continuity plan and how this affects you please follow this link. Read more

Investment Process

Home Investment Process

Our investment plans process can be summarised in 5 stages:

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  • Stage 1
  • Stage 2
  • Stage 3
  • Stage 4
  • Stage 5

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.

Investment Management
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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...
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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

Always given options to consider.

I am always given options to consider when I want to invest. I feel fully in control of the investment process when working with Fiducia.

Stuart, business client Worcestershire


Genuinely friendly and helpful.

I’ve been using Fiducia for many years now and they are never anything other than genuinely friendly and helpful.

Fiducia Client

Excellent bespoke personal service.

Fiducia offers an excellent bespoke personal service.

Stuart, business client Worcestershire
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InvestingNews & Case Studies

Inflation and interest rates – a guide for cash savers

Josh Gupta, CFP™ Chartered MCSI
Chartered Wealth Manager/Planner
Posted in Fiducia News, Financial Advice (+4 more), on 22.02.21 Read What can be said about inflation and interest rates? The numbers speak for themselves. The Bank of England current base rate...

Fund Manager Q&A: Foresight Global Infrastructure Fund

Fiducia Wealth Management Posted in Fiducia News, Financial Advice (+2 more), on 01.03.21 Read As part of our ongoing client communications, we like to regularly post quarterly Fund Manager Q&As, in an effort to give a...

Tax year end planning 2019 – our top 10 checklist

Fiducia Wealth Management Posted in Inheritance Tax, BPRA | Inheritance Tax | Fiducia Wealth Management (+9 more), on 15.02.21 Read The past year has been incredibly unpredictable, but one thing that’s guaranteed is taxes. We know that the emotional strain...

Fund Manager Q&A: Royal London Sustainable Trust

Fiducia Wealth Management Posted in Investing, ESG (+3 more), on 08.02.21 Read As part of our ongoing client communications, we like to regularly post quarterly Fund Manager Q&As, in an effort to give a...
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Fiducia Wealth Management | 2021 February | Josh Gupta explains the retirement planning life journey

Inflation and interest rates - a guide for cash savers

Josh Gupta, CFP™ Chartered MCSI
Chartered Wealth Manager/Planner
Posted in Fiducia News,
on 16.01.17
Read

What can be said about inflation and interest rates? The numbers speak for themselves. The Bank of England current base rate...

Fund Manager Q&A: Foresight Global Infrastructure Fund

Fiducia Wealth Management Posted in Fiducia News,
on 16.01.17
Read

As part of our ongoing client communications, we like to regularly post quarterly Fund Manager Q&As, in an effort to give a...

Tax year end planning 2019 - our top 10 checklist

Fiducia Wealth Management Posted in Inheritance Tax,
on 16.01.17
Read

The past year has been incredibly unpredictable, but one thing that’s guaranteed is taxes. We know that the emotional strain...

Fund Manager Q&A: Royal London Sustainable Trust

Fiducia Wealth Management Posted in Investing,
on 16.01.17
Read

As part of our ongoing client communications, we like to regularly post quarterly Fund Manager Q&As, in an effort to give a...

Pension planning - Defined Benefit transfer advice

Richard Heath, Director & Senior Paraplanner Posted in Final Salary Pensions,
on 16.01.17
Read

What is a DB or Final Salary Pension?

Broadly there are two types of pensions, Defined Contribution (DC) and Defined Benefit...

Josh Gupta attains Fellowship status with the CISI

Fiducia Wealth Management Posted in Fiducia News,
on 16.01.17
Read

What doesn’t get measured doesn’t improve.

Chartered wealth manager Josh Gupta is a great believer in this adage and this...

Latest News from Fiducia



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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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