Investment Planning

We can help, whether it be investing cash lump sums, regular savings, or reviewing your existing financial arrangements

We focus on asset allocation and believe a well-balanced investment portfolio is the primary driver of portfolio returns. Market timing and stock selection are very difficult and with this in mind we would advise a balanced and well diversified portfolio, invested across a number of different asset classes.


Each asset class has different levels of risk and return, and tend to offset the weaknesses of others, minimising the overall investment risk of a portfolio by responding differently to changing economic circumstances and market conditions, such as movements in interest rates, inflation or deflation, movements in global stockmarkets.


We aim to diversify the portfolio across asset classes that have low correlation with each other in that they move up and down under different market conditions within the portfolio. Historically, the returns of the three major asset classes (cash, equities, fixed interest) have not moved in line with each other, conditions that can cause one asset class to perform well, often cause another asset class to have average to poor returns.


Whether you have £10,000, £100,000 or £1,000,000, the same fundamental principles apply to any successful investment planning:


  • Tax efficiency

  • Managing risk

  • Maximising return

  • Diversification

  • Regular reviews


There are, however, numerous solutions and we will use our expertise to establish the most appropriate investment for you, and critically, the right level of risk for you. We will also consider the most tax-efficient option for your circumstances and aim to use diversified investment portfolios with the aim of optimising returns.


‘Prediction is very difficult, especially if it's about the future’ - Niels Bohr, Nobel laureate in Physics


The value of investments can fall as well as rise.  You may not get back what you invest.