Our Investment Philosophy
We understand how important the task of managing your life savings is. We invest our client’s money in the same way we invest our own, in evidence-based, low-cost portfolios. Our Iolaire Vision portfolios are based on academic research by Nobel prize winning economists.
Our core investment beliefs
1. All investing should be linked to a financial plan
After building your LifeChart, we will have a deep understanding of how much you will need to achieve your goals. We will then design an investment portfolio to meet your unique needs.
2. Always keep a long term view
Our LifeChart will incorporate decades of your future, and your legacy - so we should view investments through the same long term lens.
3. Investing doesn’t have to be complicated
The stock market may sound intimidating, but ultimately it is your opportunity to own small parts of real companies, that sell things to real people and share their profits and growth. Simply owning a diverse portfolio of global companies can be the key to your financial future.
4. Time in the market beats timing the market
The longer you are invested, the better chance you have of achieving your financial goals.
5. Expect setbacks
On average, over the long term the global stock market has one bad year for every three good years. Throughout your multi-decade LifeChart, we will go through difficult periods in the market.
6. Tune out the noise
The way we consume media has changed, and negative news headlines are all around us. Our behavioural coaching will help you to see all the reasons for optimism in your LifeChart.
7. Investor behaviour is a major factor in long term returns
Sticking to the plan, and not reacting to short term trends is a key part of achieving your goals. We are help to help with this.
8. Lower costs mean you get to keep more returns
Using simple, low cost investment solutions means less of your money going to fund managers, and more for you and your family.
9. Nobody can predict the markets
We believe it is impossible to consistently pick a winning sector, company, country or fund manager.
10. Beware of inflation
While many people may worry about investment risk, very few people consider the risk of inflation. We want to change your perspective on long term investing.