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Investment Management
Our investing approach is built on decades of academic research and real-world experience
Our beliefs are summarised below.
1.
Asset allocation is the most important factor in determining returns.
3.
Diversification is important.
5
Risk and return are linked.
7
Client portfolios are periodically rebalanced.
9
Increasing exposure slightly to specific styles of equities (shares) can improve retirement outcomes.
2.
Costs matter.
4.
Markets are broadly efficient, and consistently beating the market is difficult.
6
Alternative assets contribute little to the risk-adjusted return of a portfolio.
8
Assets must offer an acceptable risk vs. return ratio in all stages of the market cycle.
10
Taking a long-term view is essential.
Investment Partners
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.
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.
Benchmarked performance data can be found in this detailed document.
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