At the heart of our investment recommendations is an understanding of your tolerance to risk. First, we go through an actuarial questionnaire, your answers produce a risk score and a recommended asset allocation. Second, we look at past returns from different asset classes and test the level of potential loss and reward with which you are comfortable.

Asset Allocation: The asset allocation, suggested by your risk profile aims to spread your wealth across a diverse range of asset classes. These include shares, property, bonds and cash with strategic and tactical asset allocation decisions being carried out when appropriate. The optimum allocation is based on your own view of risk verses reward and to best serve your objectives and needs.

Investment Plan: We will then design an investment plan that is suitable for your risk profile and designed to meet your objectives. Your plan will take into account the benefits of diversification, the control of expenses, the minimisation of taxes and asset turnover. All based on a long-term disciplined investment approach.