December 2020
Things are seldom free in this world, and expensive doesn’t always mean best. The true cost is often not known until much later.
When it comes to pensions and investments, costs exist for the funds and investment company and also the advisers have their fees.
What is perhaps not known is that some companies, such as ours, obtain an extra client discount from some companies and avoid the 5% bid/offer fee on funds purchased, switched or encashed. Put simply, we can save you 5%.
Our management fee is 1% which means we have a direct incentive to help your funds grow.
With one of the world’s largest stock market crashes, even our average risk portfolio is still up this year and, as can be seen in the graph above, our Ethical portfolio is performing the best.
After over 10 years of managing portfolios in house, the team knew when to move into cash, switch funds and move back into the markets. Funds obviously go down as well as up and past performance is no guarantee of the future, but our Ethical average risk portfolio has beaten the FTSE over 1, 2, 3, 4, 5, 6, 7, 8, 9 years and the future looks green. As a national finalist this year for ESG (Environmental Sourced Governance) adviser of the year, we like to think we know what we are doing.
I’d like to think our portfolio performance was one of the reasons we are listed in the Top 100 for the 8th consecutive year.
So what is “the cost of advice”? For most it is actually the difference between what the value of your fund is, and what it could have been.
If you are unhappy with your fund performance or wonder if they could be doing better, call us on
01480 869466.
We have telephone and video calls available.
Now is a perfect time to analyse your finances. Contact me today for a complimentary telephone or video call.
