Our Investment Philosophy
An Investment Process to Sustain Your Lifestyle to and through Retirement
At Strategic Wealth Partners, our investment philosophy is grounded in the belief that simplicity beats complexity.
We believe that portfolio complexity can lead to unintended consequences, and that success in long-term investing can be achieved through a straightforward and operationally efficient approach.
Our investment process is designed to help you stay on track to and through retirement.
Maximise your wealth
Our Managing Director, Amyr Rocha Lima, explains how we help our clients achieve their long-term financial goals through a straightforward and efficient strategy.
A Big Picture View of Your Wealth
Most of our clients come to us with multiple investment accounts, personal pension plans or other employer-based pension plans, and various ISAs scattered about.
Part of successful investing in retirement is understanding your wealth as a whole instead of just the parts in isolation.
We will help you see the big picture and simplify your life with a more consolidated financial plan and investment strategy. This will likely save you time and money.
Alignment of Your Investments With Your Retirement Goals
Once we understand the big picture, we align your investments with your retirement goals, risk tolerance, and a variety of other considerations unique to your situation.
You will have a consistent and purposeful asset allocation across all of your investments, rather than holding random investment funds in each different product. Your investment portfolio will be tailored to your retirement objectives.
Diversification With High Quality, Low-Cost Investment Funds
Your investment portfolio will be made up of high-quality, low-cost funds that are spread throughout a variety of asset classes (such as equities, bonds, property and cash).
To build your portfolio, we use a strategic asset allocation approach. Your portfolio is then rebalanced on a regular basis throughout the year.
Coordination of Inflows, Outflows, and Everything in Between
There are many moving parts as you approach and enter retirement.
We assist you in coordinating your retirement income via portfolio withdrawals, defined benefit pensions, state pension, withdrawals from cash savings - all whilst being mindful of taxes across your various accounts.
Adjust According to Your Plan
Life never goes as planned, does it?
Through financial planning, we will have a reliable roadmap to follow. However, course corrections may be necessary as life changes occur along the way. Therefore, we have to remain open and flexible.
When these situations occur, we will help you evaluate the possibilities and potential trade-offs that life can bring, and adjust your investment strategy accordingly.
"The trust and feeling of comfort has grown over the eight years since our first meeting."
"They are good listeners and make thoughtful recommendations that are relevant to what we are trying to accomplish in our lives."
"Working with them on my long-term financial plan has been a source of comfort since my husband's passing."
Our job is to make sure that every decision you make moves you closer to your goals.
If you've never worked with a financial planner before, we'll guide you through the process.
If you have previously worked with a financial planner but believe it is time for a change, we can assist you in making that transition.