Our investment process and philosophy are as follows:

We always aim to invest in line with your preferences and risk profile; we chose the right mix of assets, invested in line with the level of volatility you are prepared to accept.

We will also take into account your ability to withstand losses, as this may be somewhat different to your risk preferences.

We use portfolios which have broad diversification at all levels to match your risk tolerance. We also use both active and passive funds, often blended, but occasionally either fully active or passive.

We always look to provide consistency in line with expectations, rather than try to identify the next “big thing”. Chasing returns rarely results in success or consistency. We also are strong advocates of keeping money invested over the long term, rather than dipping in and out. Trying to beat any downturns (timing the market) will result in investors missing the greater part of any upturn/recovery.