Looking after your hard earned money is neither an art nor a science, although much comment is made of this distinction. Like earning your money, looking after it needs hard work, constant attention, a strict process and deep understanding of what works.
We have stripped down the mystique that surrounds investing, and distilled it down to what really matters to clients; the achievement of goals and a good night’s sleep.
How do we achieve this for you?
Well, clients tell us that a good night’s sleep comes from:
- being content that your planning is right for you,
- really understanding what is meant by investment risk and volatility as it applies to you,
- knowing how your investments will deliver what you plan for,
- knowing the ebb and flow of investment returns over the short term won’t interfere with your plans.
In practical terms we do this by asking you detailed risk questions; matching your risk tolerance and your goals to an asset model (which we revise regularly); choosing from the whole market the best investments to fill that model at the cheapest price we can obtain; and regularly rebalancing to keep the model in equilibrium.
Behind this is our investment committee which analyses and distils the independent external research we use to find the best active managers and the most effective passive options to deliver the investments you need.
The PDF document 'The Baigrie Davies Investment proposition' makes the process we go through logical and easy to follow.