It is a long-term commitment that will support you through life’s inevitable changes, allowing you to make informed decisions at each point and helping you towards the ultimate goal of financial independence and security.
Emphasis is placed on holistic planning – a total focus on your needs, aspirations, values and goals. Every aspect of your situation is measured against these parameters, creating a bespoke strategy. We place particular importance on ensuring you have a clear understanding of investment risk and that you are completely comfortable in your position.
We ensure that the strategies we recommend are robust and well planned. However, without precise implementation even the best laid plans can unravel. Our team is vigilant in implementation and attentive to the smallest of details.
Our investment process is clearly defined. Based on rational methodologies and proven academic research, we bring a disciplined approach to the management of your money. The aim – a successful investment experience, a happy retirement and your financial goals accomplished.
Evidence suggests that the majority of IFA firms and other money managers predominantly support the active fund management approach, remunerated by commission payments built into fund charges. The alternative route takes a leap of faith and a change of mindset, which many are not prepared to countenance.
Commission-based advisers are only able to offer their clients products or investments that pay commission.
In our fee-based model that is not the case and so our clients benefit from a completely unfettered approach based on what is best for them, not their adviser.
We tend to look a little bit further down the road than the first or second corner. Our approach is based on research into the relationship between risk, return, passive and active management over a number of years, which allows us to construct portfolios that are focused on providing long-term positive returns for our clients.
Most medical practitioners opt to concentrate on clinical rather than financial affairs, sometimes through choice although most often through scarcity of time.
Finding an adviser with the requisite skills, competence and experience to understand the complexities of a doctor's employment structure, pension scheme and ancillary benefits can be a difficult task.
Our superior, specialist knowledge garnered from close interaction with consultants, senior hospital management and the NHS Pensions Agency, is implicit in standing us apart.
Whether you work within the NHS, private sector, independent sector or a combination of all three, we remain focused on providing the complete picture in an impartial and informative manner.
Our appreciation of your profession offers us a better basis to understand the options available, allowing us to construct strategies that best utilise all available resources.
Thanks to strong endorsements from existing clients and the quality of our educative seminar programme, Cavendish Medical has developed close working relationships with numerous royal colleges, associations and London-based NHS Trusts.
Clients’ portfolio costs are reduced wherever possible. Modern investment platforms allow the adviser to access funds and financial instruments at institutional prices.
High upfront commissions and hefty annual management charges are eschewed in favour of lower cost exchange traded funds and index trackers.
In order to reduce the volatility of a portfolio it is essential that it is suitably diversified.
By recognising that no-one truly knows in advance how markets will perform, we diversify your portfolio across as many different types of investment (‘asset classes’) as possible, especially those with a low-level of correlation.
Our standard portfolios have access to small and large shares, UK and international, value and growth, "emerging countries", global bonds, property, and even commodities. With each asset class playing different roles in a portfolio, the whole is often greater than the sum of its parts. We believe this gives you the ability to achieve greater expected returns with lower volatility.
Due to the nature of investments those that are risky generally produce a higher return over time. If they do not, then no one will accept the higher risk. This therefore suggests that without regular rebalancing, the risk of one’s portfolio will increase as time passes.
It is important that a portfolio is rebalanced at regular intervals, resetting the asset allocation as agreed at the outset.
The discipline of rebalancing is therefore very different to making calls on the future direction of markets or the “churning” effect seen in some traditional stock broking accounts.
We do not generally support the use of actively managed funds however, ethical investments are an exception. As a passive fund is generally unable to take ethics into account, it is necessary to use the discretion of a fund manager to adhere to the relevant screening processes.
At Cavendish we listen closely to the criteria you have for your investments and design an appropriate portfolio.
To speak with one of our specialist financial planning team contact us on 020 7636 7006, or complete the enquiry form and we will be in touch.