Our advice process

Our advice is bespoke to the individual, therefore we need to ensure that we have a complete picture of your personal and financial circumstances before we can create a financial plan for you. Our advice process allows us to ensure that our advice is appropriate and, most importantly, affordable.

Our investment strategy

At Roberts Mackie Winstanley, we believe that the best way to manage investment risk is to invest in a diversified portfolio of assets to ensure that diversification and the investment risk to which you are exposed are controlled on an ongoing basis.

Choosing the right portfolio for our clients – one that matches each client’s attitude to risk and capacity for loss – is key. Ensuring a fund’s approach is aligned with our client’s desired investment outcome and that risk is set at an appropriate level is therefore a vital part of our investment strategy.

Investment markets can and do move extremely quickly reacting to political, socio-economic and geographic stimuli. Being able to react to these events quickly and by means of a range of different techniques helps ensure that the impact of investment market volatility on our clients’ portfolios is both controlled and mitigated as much as possible. For this reason, our approach is to invest in a portfolio of multi-asset funds from leading multi-asset managers globally, run by professional managers. Our clients benefit from the investment teams’ extensive knowledge, experience and research capabilities to choose the optimum mix of investments. We can rely on the fund managers’ expertise and extensive market insight to access a wider range of investments more swiftly than we can.

We have created a series of seven Multi-Asset Portfolios (MAPs) for varying different levels of risk: MAP1 being the most cautious and MAP7 the most adventurous. Each portfolio contains a blend of up to four multi-asset funds from different fund houses to provide diversification. Diversification helps to reduce volatility within the portfolio (i.e. how much the value of the investment will go up and down).

We cannot guarantee the performance of our Multi-Asset Portfolios, but we are confident that our portfolios provide a well-diversified and cost-effective investment strategy. Our actively managed solutions enable us to control the level of risk to which your investment is exposed while remaining in line with your investment objectives, whether you want to grow capital, protect capital, take a regular income or minimise fluctuations, for example.

Past performance is not necessarily a guide to future investment returns. Investment may fall as well as rise in value and you may not get back what you put in.

A guide to multi-asset investing

A guide to equities

A guide to bonds