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 Pyrford Financial Planning a great deal of investment-related knowledge, both theoretical and real-world.

Benchmarked performance data can be found in this detailed document.