Our investment process
Whether you’re saving or investing in an ISA, OEIC, Investment bond or pension, we invest your money in a similar way. It starts by assessing your appetite for investment risk, capacity for loss and investment timeline. Once we’ve assessed this, we’ll invest your money using a multi-asset approach.
Historically the best way to achieve higher investment returns over the long term has been to invest in equities. However, including other asset classes provides the best risk-adjusted returns, even if the expected long-term returns of those asset classes are lower. We believe that this multi-asset approach is suited to the vast majority of investors.
Two factors determine the performance of your portfolio - asset allocation (which is how the portfolio is split between various asset classes and markets) and the investments selected.