Our Client-Centred Investment Cycle Ensures You Have Control Over Your Assets at All Times
In formulating an investment strategy and composing a portfolio, Fisher takes account of changes in the global market.
Ten Steps Towards a Personal Investment Strategy
1. Getting to know you
Wealth management is very much about forging strong, long-term relationships. This is best initiated by our meeting one another. On this basis of thorough understanding, we help our clients achieve their goals. Establishing a rapport, and ensuring you feel comfortable with our proposition is important to us and to the foundations of your investment plan. This is your first opportunity to meet an Account Director who will have a continuing responsibility to you and for the team that looks after your affairs. It is at this meeting that you will also receive our Initial Disclosure Document and Menu that sets out the services we offer and the charges that we levy.
2. Analysing your need
Investment strategy and objectives are entirely individual. All clients differ in this respect, and in examining need, we are focused on individuality. We prefer a flexible approach to fact-finding, which works to discover the uniqueness of the requirement. Gaining a clear view of your aims and needs from your investment is vital to its success.
3. Fixing the portfolio aims
Among things we consider when fixing the portfolio aims are your objectives and the terminal value and cashflows you would like to target over your time horizon. We also look at how we should best manage your assets to accommodate your cash flow requirements. We choose the most appropriate benchmark to use as a roadmap to maximize the probability of getting your current assets to meet your objectives.
The relative performance of equities, gilts and cash investments over the short, medium and long-term, as shown by these annualised averages, shows the primary importance of time horizons versus asset mix to shaping your investment portfolio.
4. Deciding the asset mix
The investment asset mix – equities, bonds, and cash – will have a major impact on returns over the long-term. We believe that the asset allocation is the most important factor affecting performance in any portfolio; deciding the shares, bonds, cash balance, therefore, is the single most important decision.
5. Determining the benchmark, managing risk
Benchmarks enable clients to gauge the performance of their portfolio whilst providing a framework for responsible investment management and the control of associated risk. Once a benchmark has been agreed, we encourage our clients to stick with it. Frequent changing of benchmarks can lead to poor investment decisions.
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