Our Philosophy

Sutherland IFA’s investment philosophy relies on a strategy that is sometimes referred to as Tactical Asset Allocation.

This is a dynamic and proactive process for constructing and managing funds in balanced investment portfolios without compromising an investor’s personal risk tolerance and their financial objectives over the medium to long term.

Our investment portfolios are monitored daily to ensure fund suitability in light of ever changing market conditions.

By applying patience, discipline and a strong emphasis on prudent allocation of our assets, we look to capitalise on current market trends and movements; in other words add value or outperformance in upward (bull) markets and mitigate risk or losses in downward (bear) markets.

No one investment strategy is perfect and no one investment strategy is guaranteed to do any better than another but the one investment strategy definitely not being introduced here is the traditional ‘buy every asset class, hold for the long term and see where we end up’.

Our investment strategy is all about understanding and following the lead of large institutional investors in the belief that they account for approximately 75% of market movement, both upwards and downwards.

Robust and sophisticated risk-management controls allow us to take significant positions in those asset classes and securities where we have strong convictions in our views.

In addition, daily studying and research of price and volume action is carried out to help investors get in ‘sync’ with market trends and directions because failure to do so can feel like running against a strong headwind.

When a perceived uptrend in the market is confirmed (bull market), quality equity based funds from the whole of market are bought.

Alternatively, when a perceived major downtrend in the market is confirmed (bear market), a switch is made from these funds into cash.

Although we take a centralised approach to investment and fund choice that comprises fixed interest securities and equities, each investment portfolio is ‘weighted’ according to each client’s specific risk profile over the medium to long term. At the same time, active managed and passive index tracker funds are used together as it is believed that there is a role for both.

What our clients say...

10 Reviews

Good updates and investment advice

Thanks for keeping us updated and for all your hard work in looking after our investment funds so far, difficult times all round. Your plan is fine with me!

HD, Oxford

10 Reviews

Indepth investment reports

Your reports are always very interesting and I always learn something when I read them. We have complete trust in you. Thank you.

AP and BP, Underwood

10 Reviews

Extremely informative emails

I just wanted to thank you very much for keeping me up-to-date with your extremely informative emails on the current financial situation in these very challenging times. You must be worn out keeping abreast with the changing markets, but your emails help so much to keep calm. Needless to say, I am not watching the markets on principle and am leaving it to your very capable hands and it is much appreciated.

CC, Cheltenham, Gloucestershire

10 Reviews

Just to say thank you for your help and support

S and I are very grateful for the way that you communicated clearly and put together all the information required. You are a gentleman and a true professional.

GM, Oldbury, Birmingham

10 Reviews

Very helpful information

Thank you Neil for a very good lesson to help me understand exponential growth and the excellent graphics alongside!!

PC, Farnham, Surrey

10 Reviews

Really enjoyed your latest bulletin!

Just a quick note to say how much I enjoyed your latest bulletin. Fascinating story about David Bowie and your fulsome explanation of Corporate Bonds!

DR and HS, Southfields, London

10 Reviews

Excellent advice and guidance

Neil has been my financial adviser since the late 1980s and at all times I have felt more than comfortable with his advice and guidance. I firmly believe that he places all my financial interests at the forefront of any recommendation. Over the years I have followed Neil as he has changed organisations, and it is my intention to keep Neil as my financial adviser in the long term. I have no hesitation in recommending him to you.

SE, Wandsworth

10 Reviews

Great service, always kept informed!

We have known Neil Sutherland for some time. When we sold our business we were looking for some advice on investments for the proceeds from the sale; we wanted a balanced and diversified portfolio. Neil was able to explain to us with absolute clarity his thoughts on our investments which have since proved to be sound. If there are changes in the financial markets, he always keeps us informed. We are very happy with the service that he has provided for us.

DD and PD, Ludlow, Shropshire

10 Reviews

His skill set not always found in the adviser space!

Neil Sutherland has been my IFA for many years during which time he has taken responsibility for the management of my pension and money held in Trust for my children. His background in stockbroking provides him with a skill set not always found in the adviser space. His consideration of requirements is handled professionally and intelligently with true attention to ensuring customer understanding. I trust his integrity and have always been secure in the knowledge that Neil is constantly striving to give the best return for his clients in line with their needs

AC, Wiltshire

10 Reviews

A very good understanding of financial advise

Neil has been my Financial Adviser for nearly ten years. His knowledge and understanding of financial products and markets, and the complexities of governance and the various codes of practice are all extensive. As well as having a thorough understanding of our family’s financial objectives and our attitude to risk, Neil regularly reviews and reports on our portfolio. We greatly value his advice and the fact that, being independent, he has access to a wide variety of options. I have no hesitation in recommending his services.

BM, Bath

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We welcome the opportunity to learn more about how we can help you. Schedule a free no-obligation consultation, you might be surprised!