We manage your money with a purpose

We want you to live the live you want, look after those you love, and leave a powerful legacy. But without investing wisely, that vision may remain out of reach. That’s why our goal is simple: to deliver consistent, long-term performance that builds your financial confidence.

Discover how our Horizon Planning approach aligns your investments with your life goals—through smart diversification, time-based allocation, and a focus on people, not just numbers.

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So why do you
invest?

Achieve financial goals

Whether it's buying a home, funding education, or retiring comfortably, investing helps you reach long-term financial goals more efficiently than saving alone.

Build wealth

Investing allows your money to grow through dividends, and capital gains. Over time, even small investments can turn into substantial amounts by the power of compounding.

Beat inflation

Inflation erodes the purchasing power of money. By investing in assets that grow faster than inflation (like stocks or real estate), you help preserve and increase your wealth.

Diversify income sources

Investing can reduce reliance on a single income stream (like a salary), offering financial security and flexibility.

Higher Returns

Investments can outperform savings accounts, offering greater growth potential. With a strategic, risk-aware approach, you can reach financial independence faster.

Our philosophy

Purpose Driven
Investing

Equilibrium’s overarching goal is to “make people’s lives better,” which extends beyond financial returns to include peace of mind, legacy planning, and personal fulfilment.

Client-Centric
Design

Portfolios are tailored to individual goals, timeframes, and risk tolerance. This includes understanding how much risk a client is comfortable with and how much they can afford to lose.

Evidence-Based
Approach

Investment decisions are guided by data, valuation metrics (e.g. P/E ratios), and historical performance. Equilibrium avoids speculation and instead focuses on long-term fundamentals.

What are the risks with investing?

If you're aware of the risks involved in investing and take steps to manage them wisely, those very risks can transform into powerful opportunities. Rather than something to fear, risk becomes a gateway to potential growth and prosperity. It’s all about understanding the landscape, making informed decisions, and staying disciplined. With the right strategy, risk isn’t a threat — it’s the fuel that can drive your investments forward and help you achieve your financial goals.

Market risk

Market risk is the danger of investments losing value. This can happen due to changes in the market. Stocks, bonds, and other assets are affected. Factors like economic events, political changes, or natural disasters can influence market risk. Having a blend of asset types such as cash, bonds, property and equity can reduce this risk.

Inflation risk

Inflation risk, also known as purchasing power risk, refers to the possibility that the value of money or investments will decline over time due to rising prices. In simpler terms, it’s the risk that your money won’t stretch as far in the future as it does today.

Credit Risk

Credit risk happens when borrowers can’t pay back their loans. This affects lenders and investors. Banks, bondholders, and other creditors face this risk. Poor credit ratings increase this risk. Diversifying investments can help manage credit risk.

Liquidity risk

Liquidity risk is the chance that assets can’t be sold quickly. If you need to sell an asset fast, you may lose money. Real estate and private equity often have high liquidity risk. Having cash or easily sold investments can reduce this risk.

Operational risk

Operational risk comes from business operations failing. This can be due to human error, system failures, or fraud. This risk affects all companies. Strong management and controls can help reduce operational risk.

Our expertise helps you diversify to reduce risk, avoid costly mistakes, and grow your wealth.

But don’t just take our word for it—discover why a professionally managed, diversified portfolio makes all the difference.

“The risk of loss comes from not knowing what you’re doing.”

Warren Buffett - Legendary investor, Berkshire Hathaway CEO, value investing pioneer, philanthropist, disciplined, patient, frugal, wise, long-term thinker, influential globally.

“A well-diversified portfolio allows you to sleep peacefully at night.”

Harry Markowitz - Nobel laureate economist, who pioneered Modern Portfolio Theory, emphasising diversification, risk-return optimisation, and quantitative strategies for investment success.

“The investor’s chief problem – and even his worst enemy – is likely to be themself.”

Benjamin Graham - Father of value investing, emphasised fundamentals, margin of safety, disciplined analysis, and long-term wealth preservation strategies.

Our fund range

Risk Profile: Low risk.
Equity Weighting Range 2021 -2025: 2% to 22%
Target Return: Lowest expected return relative to our funds over a five year period.
Purpose: Designed for investors seeking low volatility.
Asset Allocation: Typically includes high-quality bonds, cash instruments, and low-volatility assets.

Risk Profile: Low to medium risk.
Equity Weighting Range 2021 -2025: 27% to 37%.
Target Return: Below-average expected return relative to our fund range over a five year period.
Purpose: Designed for investors seeking potentially above inflation returns but with the aim of lower volatility than funds with higher equity exposure
Asset Allocation: Typically includes high-quality bonds, cash instruments, and equities.

Risk Profile: Medium risk.
Equity Weighting Range 2021 -2025: 41% to 49%.
Target Return: The fund aims to deliver returns greater than consumer prices index inflation over a minimum of five years.
Purpose: Aims to balance growth and stability.
Asset Allocation: Diversified mix of equities, fixed interest, property, and cash.

Risk Profile: Medium to high risk.
Equity Weighting Range 2021 -2025: 55% to 67%.
Target Return: Above average expected return relative to the five funds over a five year period.
Purpose: Targets long-term capital growth.
Asset Allocation: The majority of holdings are in equities and alternative investments.

Risk Profile: High risk.
Equity Weighting Range 2021 -2025: 86% to 99%.
Target Return: Highest expected return of the five funds over a significant time horizon.
Purpose: Targets long-term capital growth.
Asset Allocation: Heavy weighting in equities and alternative investments.

Horizon planning – match our funds with your needs

Now that you’re familiar with our funds and the risks involved, you might be wondering how they align with your personal goals—that’s where our unique Horizon Planning approach comes in.

By segmenting your investments based on when you’ll need them, we tailor your portfolio to match your life stages, income requirements, and comfort with risk. This strategy not only matches assets to liabilities, but also brings clarity and confidence to your financial future, reducing risk through smart diversification and time-based allocation. It’s a more thoughtful, future-focused way to invest.

See below for a case study of how this might look.

Meet Mark & Anna Flitcroft
£50,000 net income required until Mark reaches 67 and Anna 64 and they retire.
Anna currently earns £70,000 and Mark £45,000.
£50,000 income required once both of their state pensions commence.
Currently have investments in pensions and ISAs totalling £940,000.
Want to know how best to structure portfolio to provide income shortfall

Pot 1
Short term
Reserve

£50,000 cash for rainy days
Two years - £100,000 – used when equities fall - allocated to low risk Defensive fund

Pot 2
Medium term
Income

Two years at £50,000 in the Cautious fund, then 13 years at £30,000 totaling £490,000 in the Balanced fund.

Pot 3
Long term
Growth

Surplus of £200,000 allocated to the long-term growth pot - equal mix of Adventurous fund and Global Equity fund

What does this blend of funds look like?

Use our interactive tool to see which baskets you could have your eggs in, and what that looks like

Equilbrium Investment Hub

What our clients have praised us for

Learn more

Bespoke Products
We collaborate with financial institutions to design unique solutions that balance risk and reward effectively.
Tailored Risk Management
Our strategies align with individual goals and risk tolerance, helping clients avoid overexposure and underperformance.
Clarity and Transparency
Regular updates and presentations ensure clients understand the rationale behind investment decisions, building trust.
Strong Investment Performance
Focused on delivering consistent, competitive returns across market cycles.
Proactive, Personalised Advice
Guidance tailored to each client’s evolving financial needs and ambitions.
Confidence in Financial Planning Outcomes
Helping clients feel secure about their financial future through robust planning.
Consistent Performance and Reporting
Reliable tracking and clear communication of investment results.
Clear, Jargon-Free Communication
We make complex financial concepts easy to understand.

Our latest investment updates

Whether it's videos, blogs, or reports — you'll find the latest news and insights right here

November 2025 - Investment Insights

Investment Insights - November 2025

November 2025 - The Pulse

The Pulse

October 2025 - Quarterly Investment Report

Quarterly Investment Report

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