Our investment 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, risk attitude and 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 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 short list 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.
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, review recommendations, including valuations, performance and market overviews.
InvestingNews & Case Studies
Market sentimentPosted in Investing on 17.01.18 Read It is impossible for investors to predict the future. Short-term losses can be unsettling, but holding steady through the ups and downs is the best way to reach your long-term investment goals. A key to successful investing is to remain focused on your long-term objectives and not let short-term trends distract you. Holding onto your investments when times get tough is a proven strategy for staying on track.
Investing For IncomePosted in Investing, Saving & Investing for Children on 26.09.17 Read How certain innate behavioural traits influence our decision-making.
Planning for your retirementPosted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.
Case Study: Investment Portfolio Review
Our clients, Fred and Irene aged 56 and 47 respectively, were referred to us when they inherited a £200,000 investment portfolio when Fred’s mother died.Posted in Investing on 15.02.17 Read
Fiducia ‘Best Investment Adviser’ 2016
Fiducia are delighted to have been named ‘Investment Adviser of the Year’ at the Moneyfacts Investment Life & Pensions Awards 2016, held in London on 22 September.Posted in Fiducia News, Awards (+1 more), on 28.10.16 Read