Whether you have an existing portfolio, or need help with regards to newly acquired capital, we are able to assist you. Our Portfolio Service offers low costs, both on entry, and with regard to ongoing management fees.

We believe that our business relies our long term commitment to you as a client. We show this by way of agreed periodic reviews and updates, and we also have the facility for you to track your portfolio online with ‘real time’ valuations.

Our Investment Philosophy and Strategy
Nobody really knows what’s going to happen tomorrow, next year, or in 10 years’ time. It’s our job to understand the nature of these uncertainties and create a financial strategy that improves the probability of long term success. We do this by recognising some key rules when investing:

  1. Commit - If it is an investment, treat it as such. Don’t speculate. To be classified as an investment, there must be a time horizon of at least 5 years.
  2. Clarify - Invest in accordance with your tolerance to risk. Know your appetite and capacity for risk and as important your tolerance for short term loss and volatility.
  3. Diversify - Spread your risk. History shows us that different asset classes react very differently to each other. By investing across the major asset classes, you increase your chance of having a more stable investment outcome.
  4. Seek Value - Look to maximise your returns in a cost efficient manner. You should not pay for active management that does not add value.
  5. Review & Rebalance - Different asset classes perform at different rates, so over time your portfolio will drift away from the original asset allocation. If left unchecked, this can result in a portfolio that, in time, will no longer meet your risk profile.
  6. Stay Invested - Don’t try and play the market. No one knows the next star, nor the next under-performer. Once you have agreed an investment strategy, stick to it. No short term-ism.




Our investment approach incorporates

  1. The need for liquidity, perhaps to generate income, or as an emergency fund
  2. Risk profiling to understand your attitude, tolerance, and capacity for risk
  3. Portfolio allocation using non-correlated assets - not putting all your eggs in one basket
  4. Understanding time horizons
  5. Effective tax planning to minimise your liability, for example, utilising ISA and Capital Gains Tax allowances.

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Cheltenham Independent Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority ( 603065 ). The registered office is 5 Royal Crescent Cheltenham GL50 3DA
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