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Time Financial Planning Time Financial Planning
  • About Us
    • Our Team
    • Testimonials
    • Terms of Use
    • About Our Services & Privacy Statement
    • External Links
    • Complaints
  • Investments
    • Financial Planning
    • Investment Philosophy
    • Investment Specific Risks
    • Ethical Investments
  • Cash Flow Modelling
  • Estate Planning
    • Inheritance Tax
  • Long Term Care
  • Protection
  • Guides
  • Blog
  • Contact

Investment Philosophy

Home InvestmentsInvestment Philosophy

We believe that;


  1. Risk and return are related and so the higher the return you require (or are being promised) the more risk you must take

  2. The purpose of most investments is to provide long term returns above the rate of inflation

  3. Speculative investments are usually short-term and maybe unreliable

  4. In the long term, Bonds will outperform Cash and Shares will outperform Bonds

  5. We believe that there are sources of higher expected return
  6. Identifying mispriced shares and timing markets are unreliable practices that cost money and increase risk

  7. Costs matter and that reducing investment cost increases the probability of positive returns

The above is the Investment Philosophy and opinion of Time Financial Planning Limited only and should not be taken as advice.

Investments – the value of units can fall as well as rise, and you may not get back all of your original investment

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  • Time Financial Planning Limited
  • Suite 1, Unit 6, 15 Headley Road, Woodley, Reading, RG5 4JB
  • 0118 327 9895
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© 2021 · Time Financial Planning Limited. All Rights Reserved. Time Financial Planning Limited is an appointed representative of the Whitechurch Network Limited which is authorised and regulated by the Financial Conduct Authority. Time Financial Planning Limited is Registered in England and Wales number 07187798. Registered Office: 1 Warner House, Harrovian Business Village, Bessborough Road, Harrow, Middlesex HA1 3EX

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