Patient. Disciplined. Open architecture.
Our investment philosophy is built on five principles applied consistently across every portfolio. Below: how those principles translate into a repeatable, defensible investment process.
The process.
Four stages, one committee, monthly cadence.
Define the universe
For each portfolio's platform availability, we maintain a curated universe of around 250 funds across all asset classes - vetted on cost, transparency and process.
Set strategic allocation
Long-term capital market assumptions feed a strategic asset allocation per risk grade. The committee reviews these annually and on regime shifts.
Select funds
Funds chosen on merit - manager skill where it exists, low-cost passive elsewhere. No fund affiliations. The committee documents the rationale for every line.
Monitor & rebalance
Daily monitoring; quarterly rebalancing; exception-based rebalancing when drift exceeds 5% from targets. Every change is minuted.
Our principles.
Five rules the Investment Committee applies to every portfolio decision.
Discipline over prediction
We build portfolios for the next economic cycle, not the next news cycle.
Diversification, properly
Asset classes, regions, styles and vehicles. We treat correlation as the master variable.
Open architecture, no exceptions
Funds picked on merit. No fund affiliations, no revenue-sharing arrangements.
Committee, not cult
Every portfolio decision is approved by the full committee. No single voice dominates.
Adviser-first, always
We support advisers. We never compete with you and never contact your clients directly.
Risk profiles.
There are five risk grades in total. RG1 is not served by our model portfolios.
| Grade | Profile | Equity range | Suggested term | Quorum portfolios |
|---|---|---|---|---|
| RG1 | Defensive | 0% - 20% | Not served | Not served |
| RG2 | Cautious | 20% - 40% | 5+ years | Core RG2 / Passive Cautious |
| RG3 | Balanced | 40% - 60% | 5–7 years | Core RG3 / Core RG3 Ethical / Passive Balanced / Income / Ethical Income |
| RG4 | Growth | 60% - 80% | 7+ years | Core RG4 / Passive Growth |
| RG5 | Aggressive | 80% - 100% | 10+ years | Core RG5 |
Asset allocation.
Strategic allocation is the primary driver of long-term returns. We set it carefully and change it infrequently.
Long-term capital market assumptions
Each year, the committee reviews return and volatility expectations for every major asset class. These feed directly into strategic asset allocation weights per risk grade.
Equity range guardrails
Every risk grade has a defined equity bandwidth. The committee does not deviate outside these ranges, providing advisers with consistent, auditable positioning.
Tactical tilts, documented
Short-term regime views can introduce modest tilts within the strategic range. Every tilt is proposed by committee, approved, minuted and available for compliance review.
True diversification
We allocate across equities, fixed income, alternatives and cash equivalents. Correlation management is built into the allocation process, not bolted on afterwards.
Geographic spread
UK, US, Europe, Asia-Pacific and Emerging Markets. No home bias beyond what a risk grade structurally requires.
Annual strategic review
Allocation targets are reviewed at least annually and whenever the committee identifies a material regime shift that warrants reassessment.
Fund selection.
Funds chosen on merit. No affiliations, no revenue-sharing, no conflicts of interest.
Governance & protection.
Three things that should reassure any compliance officer doing due diligence.
FCA authorised
Direct authorisation. Regular regulatory reporting. ICARA and MIFIDPRU disclosures published and available in the Resources hub.
No client money
We do not hold client cash or securities. All assets sit with the regulated platform your adviser uses, custodied and protected by that platform's FSCS coverage.
Recorded decisions
Every committee decision is minuted, retained and available to compliance reviewers on request. No verbal overrides, no undocumented changes.
Consumer Duty compliant
Target Market Statements, Fair Value Assessments and a Value Assessment Methodology are published annually. All available for download in the Resources hub.
Ready to put the process
to work for your clients?
Speak with our Business Development team.