Managing My Investments

Our award-winning investment services are designed to help guide you through the investment maze.

The Need for Diversification

All investments involve risk – even the cash deposits in your bank or building society are at risk against inflation! It is important to manage the balance between risk and potential reward and this can be achieved through the choice of different investment holdings:

  • Asset allocation is the amount of each investment we allocate to different types of assets such as equities, government gilts, corporate bonds, property and cash deposits.
  • Diversification is spreading your investments across a broad mix of assets. By diversifying your portfolio, you can help smooth out market volatility as returns from better performing assets help to offset those that are not performing as well.
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2011 2012 2013 2014 11.1% 5.2% 2.6% 32.2% 19.3% 16.5% 27.4% 8.0% 3.7% 11.7% 5.5% 7.8% Calendar year performance by marketClick to view
Calendar year performance by marketClick to view 2011 2012 2013 2014 11.1% 5.2% 2.6% 32.2% 19.3% 16.5% 27.4% 8.0% 3.7% 11.7% 5.5% 7.8%
Source: Schroders

Worldwide Investment Opportunities

UK investors tend to be very UK centric in their approach to investing, often ignoring significant investment opportunities in other markets.

The UK stock market makes up only 6% of worldwide equity markets, so it is important to ensure you are seeking diversification and balance across other markets, as well as across investment types.

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Percent of World Market Capitalisation as at December 31, 2017Click to view Nether lands Sweden UnitedKingdom6% Germany3% France3% Spain1% 2% 1% 1% 1% Switzerland Italy
Percent of World Market Capitalisation as at December 31, 2017Click to view Nether lands Sweden UnitedKingdom6% Germany3% France3% Spain1% 2% 1% 1% 1% Switzerland Italy
Source: Schroders

The Cost Of Mistiming Your Investments

Managing investments is about so much more than just chasing returns. Returns come as a result of proactive investment monitoring, regular reviews, rebalancing and retaining investment discipline in volatile markets.

Our approach is based on setting clear goals and objectives for your investments, understanding your tolerance for risk and then ensuring we manage these investments as cost effectively and tax efficiently as possible.

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11.1% 9.1% 7.8% 6.6% 11.1% if you stayed invested the whole time 9.1% if you missed the 10 best days 7.8% if you missed the 20 best days 6.6% if you missed the 30 best days £1,000 investment from 1988 to 2018 - FTSE 250
11.1% 9.1% 7.8% 6.6% 11.1% if you stayed invested the whole time 9.1% if you missed the 10 best days 7.8% if you missed the 20 best days 6.6% if you missed the 30 best days £1,000 investment from 1988 to 2018 - FTSE 250
Source: Schroders

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