What guides us

Client-first thinking Every portfolio starts with understanding you: your goals, timeline, and attitude to risk. We’re not tied to any provider or investment style — so we can focus purely on what’s right for you.

Value for money We aim to strike the right balance between cost and potential benefit. That means favouring low-cost strategies where they make sense, while using active options only when they genuinely add value.

Clarity and control We believe you should always understand what you’re invested in — and why. That’s why we communicate in plain English and provide regular, straightforward updates.

Ongoing support Whether you have a question, need a review, or want to change direction, we’re here to help you make informed decisions.

Our Strategy: Blending Passive & Factor-Based Investing

We use a blended approach designed to deliver long-term performance with sensible costs and risk.

Passive core
We start with low-cost index funds to track broad markets efficiently — providing strong diversification and consistent exposure at minimal cost.

Factor tilts
Based on robust academic research, we include targeted allocations to ‘factors’ like value, quality and profitability, which have historically outperformed over time.

Managing Risk: Bonds, Gold & Diversification

Preserving capital is just as important as growing it. That’s why we carefully balance portfolios using:

High-quality bonds
We use government and investment-grade corporate bonds — often short-duration and inflation-linked — to dampen volatility and provide reliable income.

Gold
We maintain a modest gold allocation, which may act as a hedge during market stress or inflation spikes.

Global diversification
By spreading investments across asset types, regions and sectors, we reduce reliance on any one area and improve long-term resilience.

Ongoing Monitoring & Reviews

We keep a close eye on YourTrack+ portfolios and the wider investment landscape — so you don’t have to.

Every quarter, we’ll send you a clear update on performance and market conditions, along with any insights that might affect your long-term plan.

Behind the scenes, we continually monitor the funds, strategies, and evidence behind our recommendations. If something changes — in the markets, in your life, or in the research — we’ll make sure your portfolio stays aligned with your goals.

And of course, we’re always on hand to review your strategy with you, answer questions, and support confident, informed decisions.

Built Around Consumer Duty — Without the Jargon

We’ve embedded the principles of the FCA’s Consumer Duty into every aspect of our investment service — from the clarity of our communications to the fairness of our fees, and the suitability of our portfolios. You’ll always know what you’re invested in, how it’s performing, and why it fits your plan.

Ready to Learn More?

We’d love to show you how YourTrack+ could work for you. Whether you’re new to investing or reviewing an existing portfolio, we’re here to help.

Let’s talk about your investments →