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.