Our services are based on the same techniques that big financial services companies use to manage their own money. We are the only people making this type of commercial grade technology available directly to consumers via our comparison tables and our free SmarterCare investment monitoring service.
The overriding principle is that no-one knows what is going to happen in the markets. Overall, they're more likely to go up (particularly in the long term), but they might also go down. It's just a question of probabilities.
This is different to what you might think from reading the financial press. Many commentators will express opinions on the attractiveness or otherwise of particular segments of the market. For example, a recent story in one of our competitor's newsletters read: "Many Investors overlook Europe, but we believe it represents a compelling opportunity"
This makes for interesting headlines, but the reality is that they don't know (if they did, they wouldn't be writing financial columns). The big financial services companies don't pay much attention to commentators trying to predict the future. Their approach is a lot more boring:
These principles are brought together in sophisticated financial models which analyse the markets and come up with optimised portfolios, designed to maximise the likely returns, given the organisation's risk budget. The portfolios in our comparison tables are derived in exactly the same way.
The investments are then reviewed frequently (usually at least daily) to ensure that the level of risk remains within budget and that the portfolios are still close to being optimal. Our free SmarterCare investment monitoring service gives you an equivalent of this daily review.