Investment Management 

1. Asset allocation is the most important factor in determining returns.

2. Costs matter.

3. Diversification is important.

4. Markets are broadly efficient, and consistently beating the market is difficult.

5. Risk and return are linked.

6. Alternative assets contribute little to the risk-adjusted return of a portfolio.

7. Client portfolios are periodically rebalanced.

8. Assets must offer an acceptable risk vs. return ratio in all stages of the market cycle.

9. Increasing exposure slightly to specific styles of equities (shares) can improve retirement outcomes. 

10. Taking a long-term view is essential

​​

For more details on our investing approach, please visit our blog.

​

Benchmarked performance data can be found in this detailed document.

​

We partner with global investment houses, including The Vanguard Group, Dimensional Fund Advisors, and Fidelity International, which manage over $10 trillion of client money between them.​​​

​

Both Noel and James hold the Chartered Wealth Manager qualification, and Noel spent over a decade working on various Investment Banking trading floors, which has given Pyford Financial Planning a great deal of investment-related knowledge, both theoretical and real-world.