Long-term growth
Most clients want their money to grow. We have a range of risk and cost levels, so we can find the perfect balance for your plan.
Find out about growth strategiesInvesting your money
How we help you achieve your goals
The world never stops changing – so we’re always looking for the best investments for your financial plan
While your Financial Planner works closely with you to achieve your goals, our in-house Investment Management Committee applies a sharp focus behind the scenes.
Their task sounds simple: make sure we always have the right investment options to help you achieve your financial goals. In practice, it requires disciplined focus, rigorous analysis, and years of experience. Their judgement and insight help ensure every investment we offer is carefully selected and aligned with your goals. On this Investments Hub, you can explore how and why we make our recommendations. Through our investment videos and other resources, you’ll hear how we select and monitor our investment partners, and discover how we tailor portfolios to suit your individual needs.
A full set of investment options
Your financial goals will change over time. Sometimes in ways you can predict, often in ways you can’t. Your Financial Planner needs great investment options for all kinds of objectives.
Higher-risk strategies when you’re young, and a more defensive approach when you’re older, that might be right for you. But since when was life so predictable? What about your other life goals? E.g. university fees, say, or buying a boat?
The truth is, keeping your financial plan perfectly tailored takes as much focus as monitoring the investment markets does. That’s why we have a dedicated investment management committee, right within our team. It means your Planner can concentrate fully on you, knowing they always have the best tools to achieve your goals – however life might change.
Risk – it’s more personal than you might think
Risk is about much more than your attitude. And it’s not just balancing possible investment losses against the reward you might get. That’s why it takes more than a questionnaire.
For one thing, there are more risks to think about than changing stock prices. There’s the risk of inflation, and the damage it can do to your spending power. The risk of property depreciation. And, most importantly, the risk of not achieving your lifetime plans.
We care about your attitude to risk and reward, of course. But that needs to be taken in context with your ability to take risk without jeopardising what matters most, or your need for growth with the outcomes you have in mind.
Your investment timeline is important, too. If you have long horizons ahead, it’s easier to accept temporary dips in value, knowing investments tend to grow over time. But if you need access to your money soon, short-term value is much more relevant.
So, yes; understanding your attitude to risk is important. But understanding your attitude to your goals is vital. And that’s as individual as you are.
Investment approaches to match your goal
Once we understand your financial goals, we’ll suggest an investment strategy that’s tailored to you. Usually, this will take one or more of five key approaches:
Providing an income
There are different ways to take a regular income from your investments – and the right one will depend on your situation.
Learn about income-based investing
Short term protection
A defensive investment portfolio with SEI, designed to reduce short-term ups and downs and protect your money when markets are unstable.
Learn more about defensive investing
Ethical investing
If you want to maximise your money’s positive impact – or if there are sectors you’d rather avoid – we can tailor your investments to match.
See our ethical and sustainable options
Specialised investments
If you want something more specialised, we’ll be happy to introduce you to one of our experienced team.
Contact usInvestments – your questions answered
Our investment management committee continually scrutinises the market and holds our fund managers to account. But that positive approach doesn’t mean we’ll move your money on a whim, reacting to world events when the data shows a long-term view is usually most effective.
Our Financial Planners sat down with Head of investments, Mashud Rahman to answer a few of our clients’ most common questions.
Understanding fixed income investments
How fixed income works, it’s benefits and how it can fit into your overall investment strategy.
What are equities?
Investing in stocks and shares offers high growth potential. But how do we cope when markets are volatile?
Why diversify?
Spreading investments across asset classes, sectors, and regions can help us to minimise volatility and manage risk.
Long-term Performance
Which works best – keeping your money with a proven strategy, or reacting to world events as they happen? The answer might surprise you.
Managing Investments
Our investment management committee is always working to ensure your money’s in the right place. But what goes on behind the scenes?
Searching the market for the best investment partners
You should always be confident your money is in the right place. Choosing the best investment partners and funds is a huge part of achieving your goals – so we take the process extremely seriously.
We weigh every alternative, and interview fund managers individually. A track record of good performance is important of course, but we also consider a range of other factors, such as company reputation, risk control, costs, operational efficiency and the managers ability to adapt to changing market conditions.
A partnership approach is important too, so we can keep you fully informed, and build a strong working relationship on your behalf.
We work hard, so your money does too
Investment professionals, focused on your goals
Meet our investment committee, a team of uniquely highly qualified individuals working on your behalf.
Got a question about investment management?
We’d be happy to clarify any aspect of our work, and to hear your comments, feedback, and ideas.