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Evidence-based investing

Talking about an ‘investment philosophy’ can sound a bit lofty, but it’s really just a set of guiding principles that govern the way we manage your money for you.

Different types of wealth managers will take different routes, but we believe in an ‘evidence-based’ approach. It means the decisions we take with your money are based on the results of long-term market observations and empirical research.

We’ll never act on a hunch, use guesswork, or try to ‘beat the market’ – because the evidence shows you can’t. Some managers may get ahead for a little while, but doing it consistently is extremely difficult and it racks up unnecessary costs.

Our five key principles

1. Think long-term
Investing really is a long-term pursuit. We can’t predict the future – nobody can – but we can say with confidence that creating a tailored plan, sticking to it and settling in for the long term is the best way to grow your wealth.
2. Understand that risk and return go hand in hand
All investing comes with risk. The key is to find a level that you're financially equipped for. You shouldn’t take more risk than you’re comfortable with, but equally you need to give your money the best possible chance to grow.
3. Have confidence in the markets
Even if you’re not an experienced investor, know that capitalism is a robust and resilient economic system and that the markets are an efficient mechanism for rewarding patient investors.
4. Try to ignore the noise
It’s not easy, negative stories about the markets make headlines. And as humans we’re hardwired for knee-jerk reactions and emotional decisions. It can be hard to hold your nerve, but we’re here to help.
5. Don’t compare
It’s hard to resist, but comparing your progress to other investors is a sure-fire way to annoy yourself. Investing isn’t a race and nobody else’s outcomes are relevant to your life or your goals. The only thing that matters is that you’re on course to achieve what you want.
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Our robust process takes you through three clear stages to help you identify the future you want for yourself, and how you can achieve it.

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Cordiner Wealth is a trading style of TPFA Limited, which is authorised and regulated by the Financial Conduct Authority. FCA reference number 611188. Registered in England and Wales as a Limited Company No. 8453762. Registered address: 5A Harewood Yard, Harewood Estate, Leeds LS17 9LF

If our clients are not satisfied with the outcome of their compliance, they will have the right to refer it to the Financial Ombudsman Service, free of charge, at the Financial Ombudsman Service Exchange Tower, London E14 9SR, or by going to their website www.financial-ombudsman.org.uk.

The value of investments and the income from them can go down as well as up, so you could get back less than you invested. In the investment world, the past is not a reliable guide to the future.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Decisions should not be taken based solely on the content of the website and individual advice should be sought first. Regulations, levels and bases of taxation are subject to change, content of the website may not reflect the latest changes.

Cordiner Wealth is not responsible for the content of external links.

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