Our investment philosophy
Building a future you believe in
At Apricity Wealth, we’re committed to an evidence-based approach to investing. Our philosophy is grounded in academic research, long-term discipline, and a commitment to transparency.
We translate this philosophy into action by building globally diversified, low-cost portfolios designed to help support your financial goals. You get to focus on living your life, confident that your investments are being managed in line with your agreed strategy.
Why evidence-based investing matters
Our approach is guided by principles proven to work over time:
Grounded in research
We follow decades of academic studies to guide our investment decisions.
Long-term focus
Our strategies aim to grow your wealth steadily over time.
Diversified investments
Spreading your portfolio across asset classes, sectors, and countries can help reduce risk.
Market efficiency
We focus on strategies that aim to deliver long-term outcomes rather than trying to time the market.
Low-cost approach
Using index and factor-based strategies helps to keep costs low, offering a cost-efficient approach to investing.
Behavioural discipline
We help you avoid making short-term, emotionally driven decisions during market volatility.
The investment process
We help clients invest in a way that considers their long-term purchasing power, recognising the risks that can be posed by holding excess cash.
Understand your goals
We begin by getting to know you – your financial objectives, priorities, and time horizon.
Design your asset allocation
We determine an appropriate mix of assets based on your individual profile and tolerance for risk.
Choose diversified funds
We select globally diversified funds that are aligned with our evidence-based philosophy.
Monitor and rebalance
We regularly review and rebalance your portfolio to maintain the intended allocation and keep it aligned with your long-term goals.
Ongoing support
We offer continuous guidance and behavioural coaching to help you avoid making short-term, emotionally driven decisions during market volatility.
Keeping your investments on track
Our guidance is designed to help you confidently grow and protect your wealth by focusing on the factors that typically contribute to long-term investment success.
Portfolio construction
We construct your portfolio using strategic asset allocation and globally diversified equity funds to help manage risk and aims to protect your long-term purchasing power and support your financial goals.
Costs and transparency
We are committed to transparency in all aspects of our service. Our advice fees are clearly communicated, and we use investment solutions with low ongoing charges to help keep costs to a minimum.
Behavioural coaching
We help you avoid emotional decision-making and stay focused on long-term outcomes. Education and regular reviews can help to support your investment discipline through market cycles.
Ongoing service
We provide regular portfolio reviews, rebalancing where required, and updates aligned with your financial plan. Cashflow modelling and scenario analysis can help ensure your plan continues to reflect your circumstances, objectives and wider financial strategy.
The value of pensions and investments and any income from them can fall as well as rise. You may not get back the full amount invested.
The Financial Conduct Authority does not regulate Cashflow Planning.