Investment Management 

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

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2. Costs matter.

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3. Diversification is important.

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

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5. Risk and return are linked.

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

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7. Client portfolios are periodically rebalanced.

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

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

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10. Taking a long-term view is essential

 

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

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Benchmarked performance data can be found in this detailed document.

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We partner with global investment houses, including The Vanguard Group, Dimensional Fund Advisors, and Fidelity International, which collectively manage over $10 trillion in client assets.​​​

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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.