We believe

that fully understanding your goals and aspirations is essential for achieving investment success. Knowing these will help us to recommend the most appropriate investments to meet your short and long term objectives.

We believe

that establishing an acceptable level of risk is fundamental. Knowing the amount of risk you are willing to take will help us develop a suitable portfolio for you, ensuring that the type of investment you have and the funds in which you invest are both appropriate for you and aligned with your risk profile at all times.

We believe

that cheapest is not always the best but costs and charges are extremely important. Investment returns should not be unnecessarily affected by excessive charges.

We believe

that you should understand your investments and know how they work. Depending on circumstances, different types of investment product will be more appropriate for you than others. Your investment portfolio will be unique and individual to you and will reflect your specific requirements and objectives. Helping you to understand why a particular investment, asset or product belongs in your portfolio will assist in creating a successful investment strategy.

We believe

that consistently ‘outperforming the market’ is very difficult. In an ever-changing world, having a diversified portfolio with a mix of assets suited to your objectives, risk profile and investment time frame is key to achieving investment success.

We believe

that broad diversification across your investment portfolio through appropriate asset allocation is essential for minimising risk and enhancing the potential for investment success. The selection and spread of assets (such as equities, bonds, cash and property) will reflect your individual attitude to risk, your objectives and investment time frame.

We believe

that reviewing your investment portfolio on a regular basis is vital for achieving your financial goals whether short or long term. A change in circumstances may affect your objectives, your attitude to risk may change, assets may need rebalanced. Monitoring and adjusting your investment strategy as necessary is,therefore, essential.

You are not certain to make money - you may suffer a loss