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Our Investment Process

Personal Objectives

Investment should always relate to your wider financial planning needs and objectives. It’s therefore important to establish what you want from your investments and over what period of time.

Risk Assessment

The level of risk to be taken within an investment portfolio is a key factor in determining its composition and the resulting performance over time. In order to construct appropriate risk-weighted portfolios for our clients, we use a sophisticated profiling tool that helps us to quantify the level of risk you wish to employ.

Asset Allocation

In very general terms investments such as shares should provide the best returns over the long term, but they also have a higher degree of risk. Combing different types of investment via asset allocation in a portfolio can help to even out these swings in value; especially if they are "non-correlated” i.e. their prices move independently. Several key academic studies have concluded that asset allocation is the most important determinant of a portfolio’s performance and relative risk.

Tax Wrapper

We believe that tax is one of the most important factors in long term portfolio performance. Effective tax planning is vital to maximise your investment returns. Once we have agreed your objectives, constraints and an appropriate asset allocation strategy we will then consider the most suitable investment tax wrapper/s for you to invest through.

Fund Selection

We aim to identify funds that will deliver attractive risk adjusted returns and overall good value for money. We believe that it can be worth paying slightly more in fund management charges to obtain expertise that has the potential to outperform in certain markets. However, where we do not have a strong conviction that an ‘active’ manager has the likelihood to outperform the market, we look to employ ‘passive’ index trackers which help to keep the overall portfolio cost low.


We believe that regular reviews are vital to ensure an investment portfolio remains suitable and continues to work towards meeting your objectives. During your personal review we will usually agree to rebalance the portfolio to account for the changes in the recommended underlying funds and asset allocation. This discipline is essential to achieve an effective investment strategy otherwise a portfolio can quickly become inappropriate for you.


Investment process

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Retirement Planning Associates Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 403829 http://www.fca.org.uk/register.

Retirement Planning Associates Limited Registered Address: St Laurence House, 2 Gridiron Place, Upminster, Essex RM14 2BE. Registered in England & Wales, No. 04423927.

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