We aim, at least, to outperform RPI, thus ensuring you retain your purchasing power over the long term


Optimal Management

Whether or not you have attained financial independence you need to ensure your investments, pensions funds, ISAs, insurance bonds etc are managed optimally to ensure they are all focussed on delivering for you what you need.

Inflation has fallen for nearly 2 generations, since the 1970s.

We expect inflation to rise soon, for 10 or 20 years or more.


Portfolio managers have never experienced sustained increases in inflation.

The 60/40 allocation (Equities and Bonds) will struggle in rising inflation.

You need to invest to meet the inflation challenge.  IT IS VITAL.

What does your investment manager say about inflation, if anything...?

Over the year, since the markets' crash in early 2020, most financial markets have risen strongly.

And we expect strong growth to continue for some while.

Investments do not move with the calendar.  Investments have ups and downs.  If you accept no volatility risk, you will obtain no capital growth.

Properly established and managed portfolios ought to achieve above inflation returns, over the medium term.  Our aim is above inflation returns, net of fees.  The charts, on the Homepage, shows our Typical Portfolio has more than achieved this.

Have you thought about whether your investments ought to be reviewed?

How will you be in retirement?  Will your funds be robust enough to take on most events which could come along?  Do you still need, in retirement, to be growing capital?

Or, perhaps your holdings are too cautious or even too risky?  Most portfolios that we encounter, actually, bear no relationship to the investor's actual needs.

How do you know how good your current investment manager is?  What do they do for their fees?  Do they make you money?  Do they ensure your hard-earned and saved funds are working for you but without taking undue permanent risks with your money?

Please note, in the November 2016 Booms & Busts Report  I presented, in detail, the huge problem that so-called 'Balanced' or 'Average' Risk portfolios now have.  The vast majority of folk have these 'Balanced' or Diversified portfolios.  Inflation will detrimentally affect 'Diversified Portfolios'.  Therefore, the security of your retirement is at risk.

Please note, investments can fall as well as rise, and they will!