Our Approach

At Glenview Financial Group, we are dedicated to providing our clients with impartial and expert advice, along with a comprehensive range of products. Our priority is our clients, and we always strive to find tailored solutions that are suitable for their needs, by reviewing the entire marketplace.

We firmly believe that money should serve as a means of achieving peace of mind and the quality of life that our clients deserve. Our goal is to establish long-lasting relationships with our clients and assist them in maintaining and enhancing their lifestyle.

Our investment recommendations are based on multi-class investing, with an emphasis on asset class allocation and minimal trading, to achieve a steady long-term rate of return while keeping expenses and taxes low. Our objective is not to outperform the market, but to attain a healthy rate of return that allows our clients to meet their financial objectives while avoiding unreasonable levels of risk, by aligning their risk appetite with investment objectives.

Our investment management strategies have been extensively researched and refined to operate in both good and bad times. We believe that an investment portfolio should be designed to endure daily and yearly market fluctuations. Investing in a range of different securities can help reduce potential losses and spread risk. However, it is crucial to note that diversification alone does not guarantee a well-constructed portfolio.

Investment fund performance can be unpredictable. Therefore, we centre our investment planning approach on the principal that asset allocation is the crucial factor in determining long-term investment performance.

Managing Risk

Our approach to managing risk is to first understand your individual attitude towards it, as this can vary greatly between clients and across different areas of financial planning. Factors such as your age, financial circumstances, past experiences, personal goals, investment timeframe, and existing investments can all impact your perception of risk.

Once we have a clear understanding of your risk tolerance, we can tailor our investment recommendations to ensure they align with your objectives while also managing risk appropriately. Our investment strategies emphasise asset class allocation and diversification to minimise risk exposure, rather than attempting to beat the market through concentrated investments. By using extensively researched and refined investment management strategies, we aim to create portfolios that can withstand fluctuations in the market over the long term.

Investment Strategy

To ensure that we can tailor an investment strategy that is suitable for you, we require you to complete a comprehensive risk assessment questionnaire. The results of this questionnaire allow us to understand your risk appetite and create an investment approach that is appropriate for your unique needs. However, we must emphasize that investing carries inherent risks, and the value of your investments can fall as well as rise, and past performance is not an indicator of future performance.

Assets Allocation

At Glenview Financial Group, we prioritize providing expert, unbiased, and impartial advice and a wide range of products to individual clients and corporate entities. Our focus is on our clients, and we review the entire market to produce tailored product and service solutions, only recommending those we consider suitable for our clients. Our ultimate goal is to help our clients achieve the peace of mind and quality of life they deserve, building long-standing, lifetime relationships that help them maintain and improve their lifestyle. We base our portfolio recommendations on multi-class investing and employ investment strategies that emphasize asset class allocation with minimal trading. Our aim is to achieve a solid long-term rate of return while minimizing expenses and taxes, not to beat the market. We match attitude to risk to investment objectives to minimize exposure to unreasonable levels of risk.

At Glenview Financial Group, we understand that everyone has a different perception of risk and a unique attitude toward it. To fully understand our clients' attitude to risk, we ask them to complete a detailed risk assessment questionnaire. We use the findings from this questionnaire to determine the level of risk that each client is willing to accept and to build an appropriate investment strategy for them. We always emphasize that investments can fall as well as rise, and past performance is not a guide to future performance.

At Glenview Financial Group, we recognize that traditionally, investment decision-making has focused on which funds or providers to choose. However, research has shown that asset allocation is the most critical factor in determining long-term investment performance. Different asset classes, such as equities or bonds, behave differently, and the first step in formulating any investment strategy is to achieve the right balance between the major asset classes. This asset allocation is fundamental in aiming to meet our clients' investment goals in the medium to long term. To achieve this, we use a Stochastic Investment Model, which forecasts the investment returns of different assets, such as equities or bonds, and allows us to calculate the effects on client investments over time.

At Glenview Financial Group, we prioritize keeping our clients in control of their investments. We regularly monitor each fund within our clients' portfolios to ensure they continue to meet expectations. If there is an indication that funds may no longer meet our clients' objectives, we either place them on a watch list or agree that a change of investment fund is necessary. We make sure that any fund we replace is unsuitable for both new and existing investors. Different parts of our clients' investment portfolio will perform differently over time, leading to an unbalanced portfolio. We regularly reassess our clients' investment objectives to ensure their asset mix aligns with their investment goals, level of risk, and time period. We advise our clients to review their investment decisions at least annually or when their personal circumstances change, as the value of investments can go down as well as up, and they may not get back the full amount invested.