Yes. Ask us for the latest portfolio factsheets and annual performance reports and we will talk you through them. Past performance is not a guide to future returns.

Selling a little of what has grown and topping up what has lagged, returning the portfolio to its target allocation. It keeps your risk level constant and imposes a disciplined pattern of taking profits high and buying low. We recommend rebalancing whenever your portfolio drifts materially from target.

Because broad market movements dwarf the differences between similar funds. Landmark studies attribute around 90% of the variability of a portfolio's returns over time to its asset allocation, the split between asset classes, which is why we set that split deliberately and police drift from it, rather than chasing last year's best fund.

Two things: how much short-term volatility you can emotionally tolerate without abandoning your plan, and your capacity for loss, meaning how much your lifestyle could absorb financially. Both feed into which of the five portfolios is suitable for you. They are reassessed at every review, because circumstances change.

A model portfolio is a researched, ready-made blend of funds built to match a defined risk level, which the adviser then applies to your account. It brings consistency and continuous monitoring that would be impractical to deliver bespoke for every client, while still being tailored through your risk profile and tax wrappers.

A good adviser follows a documented process rather than personal judgement alone. At SIP Wealth Management that means establishing your risk profile and capacity for loss, matching you to a strategic asset allocation, selecting funds through independent research, and reviewing the portfolio continuously. You see the reasoning behind every recommendation, and nothing is invested without [...]