Investments
Our Investment Philosophy
Journey specialises in developing long-term, disciplined and objective-driven financial plans. Our approach is well researched, transparent and fully independent with each financial plan tailored to maximise and protect our clients’ finances.
Our investment philosophy is derived from the expectation that our investment solutions should be: Simple, Sound and Cost-conscious.
Simple.
Easy to understand and without unnecessary extras
We believe that the simplest investment solutions use passive funds. In an era where complex investment structures are broadly eschewed, the pragmatic approach of an index fund or ETF has great appeal to those seeking to better understand how their investment portfolios are managed.
Passive funds can help investors to diversify their portfolios and offer the possibility of long-term positive returns on a cost-effective basis. Our asset allocation is based on the most liquid and efficient asset classes. These are the asset classes where active management struggles the most to deliver consistent alpha.
Sound.
Likely to succeed; built on valid reasoning
We believe that an investment is more likely to succeed in achieving our clients’ objectives when it is:
Well diversified
Portfolios should be diversified across individual investments, asset classes, sectors, geographical areas and investment styles in order to find the best risk and reward balance. Proper diversification can maximise return relative to its corresponding measure of risk and as such ensuring a diverse mix of funds is important to us.
Optimised to generate the best returns for a given level of risk
We seek a strategic asset allocation that is consistent with each client’s attitude to investment risk. Portfolios should be regularly reviewed and re-balanced in order to reduce volatility and improve the potential for consistent investment performance.
Long-term
We see value in reducing uncertainty by investing for the long term, rather than trying to time the markets. It is our belief that a superior record is best built on long-term consistency and discipline rather than attempting to outsmart the markets year-on-year or reacting to short-term noise.
Cost-conscious.
Spending no more than is strictly necessary
Investment fees are an important criteria in portfolio construction in order to offer value for money. A central tenet of our investment philosophy is always to look for ways to pass cost efficiencies on to clients in order that they receive the best value for their investments.
Turning our Philosophy into Investment Decisions
A dedicated adviser.
You will work with a single adviser who will contact you whenever there is something you need to know - if our view on a fund you hold changes or there are new opportunities to switch your investments. We will also be available to talk to you about recent events or the economy.
Personalised advice.
We will work with you to fully understand your current situation and attitude to investing before recommending a suitable portfolio. All advice given will be tailored to you, your circumstances and your objectives.
Investment expertise.
You will benefit from the expertise and experience of your adviser and the fund managers that we work with. All the advice we give will be based on our robust investment philosophy and process. This will be used as the basis for your initial portfolio recommendation and ongoing reviews.
Investments Carry Risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a guide to the future.