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A refreshingly clear approach to your financial planning

Investment Philosophy

You can be sure that Arcaria has a consistent approach to our independent investment advice that will not bow to the various fads that surface from time to time.

There are a number of factors which consistently underpin our approach to investment. These are:

  • Investing is a long-term proposition. Fluctuation in the bond and stock markets is too significant to risk money that you will need for short-term goals.
  • Asset allocation and diversification are essential. Much research since Markowitz’s famous paper of 1953 has confirmed that most of the overall gain of a portfolio depends on the type of asset and where in the world it is based. Asset allocation is at the forefront of our minds when placing your investments.
  • Costs are important. Both active (stock picking managers) and passive (index tracking) funds have a part to play in our portfolios. Tracker funds are often cheaper than active funds but we are not committed to either and we use both, dependent on our clients’ needs and requirements.
  • Proactive management is essential in volatile periods. The ability to move into the safety of cash or switch funds quickly is a necessity. This is one of the reasons we recommend investment platforms to clients with multiple fund portfolios.
  • Due diligence is carried out on the funds we recommend so you can have confidence that they are what they seem.
  • Reviews are essential to keep your portfolio efficient. Our on-going review services ensure your portfolio is regularly rebalanced and adjusted to suit your changing needs.

Most Importantly! We will not invest your money into something we do not understand. We will not put your money at unnecessary risk.

Download our investment philosophy document

Remember … Time and Procrastination are your Greatest Enemies.

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 © 2015 Arcaria Financial Solutions Ltd.

Arcaria Financial Solutions Ltd. is authorised and regulated by the Financial Conduct Authority
Registered office: Warden House, 37 Manor Road, Colchester, Essex, CO3 3LX
Company registered in England and Wales. Registered No. 8048391

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If you wish to register a complaint, please write to or telephone Arcaria Financial Solutions Limited, 14 Westlake Crescent, Wivenhoe, Colchester, CO7 9RZ.  Tel: 01206 823953

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.