A key aspect of financial planning is the effective management of your assets: something in which we specialise.
At Baseplan we recognise that no-one can control how any particular investment will perform: there is a lot of truth in the well-known risk warning ‘prices can fall as well as rise and past performance is not necessarily an indication of future returns’! But in this uncertain world, our investment process is designed to deliver better and more consistent long-term results.
Baseplan’s evidence-based investment process is designed to maximise your return, based on an appropriate and agreed level of risk.
We achieve this through an approach known as ‘asset class investing’ which is founded on sound academic principles. In contrast to other more speculative strategies, which attempt to identify winning shares or fund managers, we focus on a much more important driver of investment risk and returns: your overall portfolio structure.
Our research recognises that repeatedly picking ‘winners’ is extremely hard to achieve in practice and concentrates instead on the overall performance characteristics of a wide range of investment options. We then set about creating a highly-diversified blend of ‘growth’ assets such as different types of shares, and perhaps property, commodities with various ‘defensive’ assets such as cash and bonds, to meet your needs.
The precise mix of investments will be based on your individual circumstances and is determined by a number of factors including your attitude to taking financial risks, as well as your requirements for capital growth or income, which we can help you determine in detail through our financial planning service. We also place significant emphasis on driving down costs and increasing tax efficiency to boost returns.
Advising you on how to invest your wealth is a responsibility that we take extremely seriously. We won’t try to sell you a ‘get rich quick’ story and we never advise our clients to invest in something we do not fully understand, or would not invest in ourselves.