It’s Not Rocket Science

It isn’t new. It’s been working for over 50 years. The people who discovered it won a Nobel Prize. Commercial investors have followed this for years. The internet and modern technology now make it possible for you to benefit.

Where To Invest

With four main assets, it could be easier than you think

Cash: Bank and Money Market deposits.  It’s pretty secure. Your money can’t fall in value.  Interest is paid but usually at a low rate. Inflation often reduces its real value.

Fixed Interest: Government and Business loans.  Interest is paid. Usually at a higher rate than Cash. The value of your money can vary.

Property: Commercial property.  Rent is received. Your money could grow as property values rise. But values can fall. You may have to wait for your money whilst properties are sold.

Equity: Stocks and shares.  Dividends may be paid. Your money grows as companies prosper. Or it falls if they don’t. Equities can produce the biggest gains. Or losses!

The value of your investments and any income generated from them can fall as well as rise and you may not get back the original amount invested.

Risk Versus Reward

How much money are you prepared to lose?

A strange question when you want to make money.

Getting top returns means accepting some risk.  You need to know how much you’re willing to lose in the pursuit of gain.

We use a scientific approach.  We’ll ask you some questions.  Then we’ll calculate your Risk Score on a scale of 1 to 10.

1 means ‘extremely cautious’ – most of your money should be invested in Cash. 10 means ‘highly adventurous’ – equity would be your best choice.

If you’re in between, you need a wider spread.

Allocate Your Money

It’s all about the correct spread of investment

The risk level of your money must match your Risk Score.

That means you won’t take too much risk.  Losing too much money if things go wrong.

And you won’t be too cautious.  Missing out on growth if things go well.

Spread It

Even granny said “don’t put all your eggs in one basket”

No-one knows what the future holds.

To give yourself a potentially greater chance of minimising any losses and maximising any potential gains, we believe you should not take a bet on one or two managers.

Or one or two types of fund.  There’s simply no point in holding similar funds with two managers.  That’s not spreading.  If the sector is down, both will be affected in much the same way.

You need to spread your money across a range of funds.  And managers.  And sectors.  And even countries.

Ready Made Selections

Keeping ‘our finger on the pulse‘

Our selection process is easy to follow.  Helping us select funds with the best chance of delivering ‘above average’ performance.

Every three months, we thoroughly check every sector of every market.  We analyse hundreds of funds.  From tens of managers.  And we report our findings to you.

It’s rare to find managers that are consistently good across the board.  They specialise.  And that’s why you should spread your money across a range of them.

Technology Is Key

Now you can see what’s happening 24/7

In the past, it felt like you needed the experience of Sherlock Holmes to uncover the details about your money.

But it’s all changed. The internet has made everything completely transparent.  And cost effective too.

Online is access to all the managers.  Research tools.  Up-to-the-minute statistics.  Independent analysis.  All at the click of a mouse.

Technology is vital in helping deliver the best result.

Three Wealth Building Tips

Review ~ Review ~ Review

We’d love to guarantee things will always go up.  But that’s not the real world.

Things change.  Economic growth.  Recession.  War.  Tax.  Inflation. And so on.  It’s unpredictable.

No matter what happens, the same economic wind blows on us all.  What’s relevant is how you respond.

Do nothing, and you’ll drift.  Review your money at regular intervals and you’ll improve your chance of success by a mile!

You wouldn’t invest in a property, leave it untouched for 30 years and expect it to be in the same condition.  You have to maintain it.  The same goes for your pension.

Here To Help

We’ll point you in the right direction

Whether it’s pensions, ISAs or other investments, we can help you build a well-constructed portfolio.  In line with your Risk Score.  And keep it properly matched into the future.

When you seek our advice, we don’t mind if you:

• follow our selections for all your money
• for part of your money
• do your own thing entirely

Whatever you decide, we’re on hand to offer a professional opinion.

Get Advice Now

This is what we’ll do

To help you make the most of your money, we’ll:

• calculate your Risk Score
• check how your money has been growing
• establish if you’d benefit from making changes
• recommend a well-constructed portfolio
• thoroughly explain our findings
• help with the paperwork if you want to make changes
• keep in touch with fund selections
• send you a six monthly paper statement
• carry out annual review to keep you on track
• switch your funds at any time without charging you a fee

Our service is paid for by you paying a fee.

To get advice now, click here »