Investment management

It is a privilege to be asked to look after your money and we recognise that. We are financial planners not investment managers.

Diversification is a key strategy along with asset allocation to driving returns and limiting exposure to risk.

It has been said that there are two types of investors, those who don’t know and those who don’t know they don’t know.

Risk Profile Psychometric Test

Before making any recommendation we will undertake a thorough analysis of your attitude to risk or perhaps, more likely, your tolerance to loss. We will undertake this by using a psychometric questionnaire.

Risk and return are related, the notion of high returns with little or no risk sadly does not exist.

You might want to ask yourself questions such as :-
  • Do you know how much tax you pay on your investments?
  • Do you know what your overall asset allocation is?
  • Do you know the charges you pay on your investments?
Passive V Active Investment

Kingsley Wealth Solutions’ broad philosophy is to adopt a core and satellites strategy, by this we mean that at the heart of the investment proposition are index tracking funds allied to which active funds which could capture short term performance.

In each case the aim is to generate performance in excess of the index and the best features of active and passive management can be combined to work to the clients advantage.

There are definitions of return be they for example, relative or total, but we prefer to focus on real return - that is the total returns minus the inflation rate as most clients are concerned about the increase in purchasing power of their Portfolio.


Active investment management encompasses many different styles and strategies but the essential aim is to manage a Portfolio that will produce returns greater than those of the index that the Portfolio is benchmarked against. It uses fundamental analysis, technical analysis and macroeconomic analysis to identify future investment trends and pick attractive markets, sectors and stocks to invest in. Active managers believe the market can be beaten and whilst they cannot beat it all the time, many active managers do believe there are certain irregularities in the market that can be taken into consideration to achieve potentially higher returns.


Passive investment management makes no attempt to distinguish between attractive and unattractive securities and makes little or no use of the results of research into which markets, sectors and stocks might perform best. Instead, the assets of the Portfolio are allocated across the constituents of an index or in a representative sample of the stock contained in an index. Passive managers by contrast, generally believe that it is difficult to beat the market. There is overwhelming academic support for this proposition.