Our investment approach

Rouse Limited’s investment approach is designed to provide peace of mind for investors. You can be confident that we will set up investments that are right for you and we will look after your investments to make sure they stay that way.

When setting aside money for your future (typically anything further than five years away), it is usually best to invest this money rather than keeping it in the bank. This is because investments have the potential to grow in value. Cash is likely to lose value in ‘real terms’ over time because inflation is usually higher than the interest rate you can get on your cash savings. This means you could buy less with the money in the future than you can now.

Investing means putting your money in things that can go up and down in value. When we create and maintain an investment portfolio we want to get the best possible return for you, but we also want to make sure that you are comfortable with the ups and downs along the way.

We spend a lot of time establishing the level of investment risk you are willing, able and need to take. We call this your ‘investment risk profile’.

Portfolio construction

Although no two investors are the same, we have found that most fit into one of five investment risk profiles, ranging from very cautious to the very adventurous.

We have built, and maintain, two sets of model portfolios to match the five investment risk profiles. There are two sets because we have designed a set for investors who prefer ethical investments where possible.

We know there are some investors that have specialist needs, or a limited range of investment options within existing investment plans that they need to keep. In these cases, we can also construct and maintain bespoke investment portfolios. However, because these investments are unique to each client, they are usually less cost effective than using our model portfolios.

If you would like more details about how we construct investment portfolios, please see our How we invest page.

Ongoing portfolio management

Things change. Asset classes, and the underlying investment funds, will produce differing returns over time. We want to make sure we keep the right balance between the potential investment returns and risk in our clients’ portfolios.

We offer a range of ongoing services for our clients. All our ongoing portfolio management services are designed to make sure, once we have set up your investments in the right way for you, they stay right for you – whatever changes may come along in the future.