Our investment approach is clear, reliable, and aligned with your personal values and financial goals. While we’ll discuss this in detail during our dedicated meeting, we wanted to give you a preview of our approach.
We offer different investment options to suit your preferences, from traditional market-focused strategies to investments that make a positive impact. Each option is fully regulated and designed with tax efficiency in mind.
We’re guided by evidence-based principles, focused on delivering consistent, long-term value for clients.
The Arboretum Core Portfolios remain our primary offering. That’s because they maintain high diversification and selective factor tilting to optimise risk-adjusted returns, without constraints associated with ESG labelling.
Markets are broadly efficient, making consistent outperformance hard. Strong academic and historical evidence suggest tilting toward factors like value, size, and profitability improves long-term returns.
In the main, equities drive portfolio growth, while fixed income provides stability. Our fixed income allocations avoid high-risk or long-term bonds to maintain diversification without any unnecessary risk.
We prioritise cost efficiency through low-cost index and factor-tilted funds. Our approach is grounded in evidence, aiming to maximise long-term value and help your savings grow steadily, without unnecessary complexity or expense.
The ESG landscape lacks standardisation, making it highly subjective and prone to interpretation. Additionally, many funds labelled as “ESG” include companies that may not fully embody sustainable practices.
We don’t separate portfolios by accumulation or decumulation. For clients drawing down, cash reserves ensure liquidity during market downturns, reducing the need to sell assets at a loss and preserving long-term value.
They’re rebalanced less often than multi-asset funds, offering more flexibility for withdrawals and better insight into underlying fund performance. Yet they’re less tax-efficient than multi-asset funds when held in taxable wrappers.
Non-UK funds can generate income that wasn’t paid out but still needs to be reported for tax if held outside of tax wrappers. We only recommend them within tax wrappers like ISAs or pensions, where these rules don’t apply.
Good financial planning doesn’t stop after a single conversation. We’ve got plenty of additional resources to support you all year round in the form of bite-sized articles and regular investment updates.
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