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Diversity has the ‘X-Factor’

The reason behind this is that fund performance varies, depending on what is affecting the underlying assets. These include how the economy is doing, market sentiment and sectors it chooses or avoids.

The manager’s style, too, will come in and out of favour. Some managers like to pick out-of-favour companies and wait for the business to be turned around; others like stocks which pay a steady dividend for a reliable income stream.  So, if you pick a fund that has been a top performer for the past five years, it may be due a change in fortune.

When I am advising clients, I tend to look at what to recommend by using a different method than pure past performance.  Clearly, I am not going to pick poor performers thinking that they will be due an upturn.  The starting point must be an appreciation that, to get the best benefit, the investment is for the long term.  We are not looking for quick fixes but to take advantage of market fluctuations.  Therefore, picking funds is based on what I believe in for the long term.

What I am also looking for is diversity, using the investment profile that the client completes allows me to choose funds suitable for them in different sectors, regions and assets.  This allows for a more temperate approach as there will be checks and balances within the portfolio as funds rise and fall.  The adage that, it’s not timing the market, but time in the market, to get good returns still holds true. If you haven’t reviewed your investments for some time I am happy to arrange to see you to discuss what, if any, changes I would recommend.

 

 

This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication is correct, we are not responsible for any errors or omissions.

Other News

Need a bigger pond? We’re looking for a Senior Compliance Officer

VACANCY – Senior Compliance Officer

Blacktower Financial Management (International) Limited is one of Europe’s leading providers of Financial Advice and Wealth Management. We continue to increase our footprint across Europe and further afield.

As a result of this we have created an additional role within our Head Office in Gibraltar. We are looking for an individual who is seeking to work in an interactive environment, both within the organisation and when interacting with key stakeholders around the business.

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Alternatives for Savers?

Blacktower Alternative SavingsYour cash is earning nothing in the bank, in fact it’s actually losing its worth in all probability because of the corrosive effect of inflation.  Even ostriches have to raise their heads at some point, if only to breathe.

Quite frankly it’s time for people to start taking control of their money instead of letting the banks bleed them.  In the days we are in now with increased life expectancy, a longer wait for retirement and the pension freedoms that there are around, there could not be a better time for savers to act and improve their lot.  So you go to see a financial adviser, what is he going to say?

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