Investment Advice

We understand that investment gains and losses equate, in reality, to our clients' standards of living; the stability of their retirements; and their ability to provide for their families as they would hope to do so. Our investment philosophy, and the methods that we apply, have therefore been given very careful consideration and are based on sound investment principles with portfolios reviewed regularly to ensure that they fulfil our clients' expectations.

Risk Profiling. We will assess your capacity for loss, investment time horizon, attitudes to risk and your knowledge & experience of investing, to ensure that our investment advice is appropriate.
Asset Allocation. The most important factor in the performance of a portfolio is its asset allocation - the proportions held in particular asset types. This accounts for over 90% of the portfolio's performance, making it ten times more important than market timing and stock-picking combined. This assumption forms the basis of 'Modern Portfolio Theory', the Nobel prize-winning concept that has, over the past half a century, provided stability and proven the importance of investment diversification.
Investment Selection. Cilbenrick use funds as building blocks in a portfolio and, for each asset class, we try to identify funds that perform consistently on a risk-adjusted basis. Costs are important, and sometimes lower costs index trackers are also recommended
Reviews. We regularly review our clients' portfolios to ensure that they remain appropriate to their investment objectives and will then bring about any changes which, together, we deem necessary.

Investments may fall as well as rise, you may not get back what you put in.

"This is how financial planning should be! A full investigation of your current position. Time spent analysing where you want to be in future. Then a sophisticated software package and advice to help you decide how you are going to get there. First class"

Austin & Judith Roberts - Optician

"The level of detail is excellent and, though requiring accurate and in-depth input, it has allowed important decision making to take place. Without this process we would still be wondering whether these things were possible and what effect this would have in later life. Now we know"

Andrew & Hilary Quinlan - Management Consultant

"We have found the level of service provided by Cilbenrick very thorough and detailed, proving very informative and helpful, thus enabling us to make decisions about our future and our children's"

Martin & Hilary Salmon - Farmer

"We have found Cilbenrick courteous and friendly and pleasant to work with. They are efficient and up to date with their technology. I am pleased to recommend them"

Derek & Pam Davies - Retired

"I have regular reviews of the performance of my portfolio and total transparency of movements within the wrapper. Moving the mix of investments between the best performing funds has provided above-average returns. I am very pleased with the professional advice Cilbenrick has provided over the years and would not hesitate to recommend their services"

Andreas Klimczak - Management Consultant

"We've always found Cilbenrick to be thoroughly professional; attentive, pro-active, responsive to our requests and very friendly and personable. They give us excellent feedback on our portfolio which includes a good overview with detailed analysis behind it to support their recommendations. They are creative and are always willing to research the best ways to make investments work for their clients. They are people-orientated; are very knowledgeable, honest, reliable and diligent and we would have no hesitation in recommending Cilbenrick to prospective new clients"

Mark & Fiona Wilson - Human Resources Manager

"Since appointing Cilbenrick as my financial advisers, they have significantly improved the returns of my pension and investment portfolio. Their advice has given me greater confidence, understanding and re-assurance"

Christian Howells - Company Director

"The key strengths I find in using the services of Cilbenrick are the reassurance that specialists are monitoring the performance of our investments and providing regular updates and advice to enable us to maximise returns. I also like having our investments under one umbrella to simplify the administration of our financial affairs"

Sandra Evans - Accountant