Book a free review     Ask us a question     Phone us: 01252 733841
  3 4 5 6 7 8 9
UK Fixed Interest 63 49 37 26 13 7 2
International Fixed Interest 0 0 0 0 0 0 0
Property 9 11 11 13 14 9 1
UK Equity 8 14 20 25 31 36 41
North American equity 5 6 8 9 11 12 14
European Equity 5 6 8 9 11 12 14
Japanese Equity 3 4 5 5 6 7 8
Far East Equity ex Japan 2 3 3 4 4 5 6
Emerging Market Equity 2 3 3 4 4 5 6
Global Specialist Equity 3 4 5 5 6 7 8



We'll juggle all of the factors below to make a recommendation for you:

For portfolios over £200,000 we would typically help build or restructure your portfolio using something called an "Asset Allocation" approach, perhaps in combination with some of the other investment options outlined in the sections on the left.

For a smaller portfolio, or for a one-off investment, we can also use an asset allocation approach. Though in some cases it makes sense to keep it simple, and we help you choose from some of the other options outlined to the left.

For those that are interested in how it works....

We use a leading firm of international actuaries to determine an appropriate mix of assets to hold within a clients portfolio, specifically tailored to a clients personal attitude to risk.

Our asset allocation approach is based on Modern Portfolio Theory and stems from the fact that the various asset classes available to investors tend to "co-vary". For this reason some combinations are mathematically more likely to give better performance for a given level of risk than others (though there are no guarantees).

We help clients build or restructure their savings and investment portfolios as part of our wealth management service.

If you are unsure about how to structure your savings and investments to best meet your needs, then we can help. We'll set up a portfolio that is tailored to you and your circumstances.


Footpath Financial Limited

Footpath Financial Limited is a firm of Independent Financial Advisers who are authorised to advise on and bring about deals in investments. Based in Farnham and Crowthorne we serve the Guildford, Hindhead, Alton, Farnborough and Basingstoke areas. We are Authorised Representatives of the Financial Planning Partnership, who are authorised and regulated by the Financial Services Authority.

The example asset allocation table below shows the recommended asset class mix for portfolios at different levels of risk. We can stick to the mix exactly or we can use it as a general guide when building or restructuring your portfolio.

The numbers along the top in green represent the client's risk score (which we measure with a questionnaire). The numbers in the table represent the recommended percentage of the portfolio to be held within each of the asset classes shown along the left hand side in blue. So for example, we would recommend that a client with a risk score of 4 should have 14% of their portfolio invested in a fund specialising in UK equities.

 

The numbers within our recommended asset allocation are constantly under review by our actuaries and we revise and rebalance our clients portfolios quarterly.

In case your wondering what happened to risk scores 1,2 and 10: For clients whose risk scores come out at 1 or 2 we would recommend keeping the money either in cash or in the low or zero risk investments detailed elsewhere. Likewise for clients with a score of 10 we would probably recommend at least a part of their portfolio be held in speculative investments.