There is not enough room in this article to fully explain FFP’s investment philosophy, however a substantial part of it is to minimise the cost of investing. FFP is one of a very small group of independent financial advisors who have access to low cost institutional investment funds. The total expense ratios of these funds vary from 0.38% to 0.73%.  With a portfolio turnover rate of less than 10%, it can be estimated that the total costs of these funds are likely to be under 1% per annum.[1]

If you are invested in a selective fund as described above, it is likely that the additional costs that you are probably unaware of would be more than sufficient to pay FFP’s fees!  Seems  pretty good value for money to me!

FFP also believes in spreading the risk.  Different asset classes (cash, fixed interest equities and commercial property) all provide different degrees of risk and return.  Most prudent investors are well advised not to have all of their assets in one asset class.

Many experts believe that finding the right combination of risk and reward is the single most important investment decision to be made.

Bank base rates are expected to be exceptionally low during 2009.  This will be disastrous for any person who has all of their savings in cash.  Might there be alternatives?  FFP has the facility to discuss the range of returns that each of these asset classes is likely to offer.