Investment Strategies

At Investiplan, we craft personalised investment strategies designed to meet your short- and long-term goals without taking on unnecessary risk. Our actively managed portfolios target competitive, inflation-beating returns over their respective time horizons, while keeping risk and costs low. We partner with leading fund managers and, where available, access institutional fee classes to give you strong value. Whether you're building wealth or preserving it, our approach aims to maximise long-term outcomes and keep your plan on track.

Our Investment Principles:

Diversified, high-quality portfolios designed for consistent, long-term growth.
Disciplined strategies that target returns ahead of inflation over the recommended time horizon.
Carefully selected fund managers with strong, established track records.
Robust risk management designed to reduce volatility and protect portfolios in tougher markets.
Professional administration with accurate reporting, tax tools, and secure service.

Wealth & Investment Strategies

Investiplan Income Strategy (CPI + 2% Portfolio)

Goal: Target an income-focused return in excess of CPI + 2% over rolling 12-month periods.
Approach: Diversified fixed-income investments including cash, bonds, and property, with limited equity exposure (max 10%).
Benefit: Access to leading fixed-income fund managers without duration constraints, aiming for stable, consistent returns.
Designed for lower-risk investors prioritising capital protection and steady income.
Focuses on income-generating assets like bonds and cash to aim for predictable returns.
Ideal For: Lower-risk investors seeking stability, with modest growth potential..

💡 Reliable income, lower risk, and access to expert management.

Investiplan Stable Strategy (CPI + 3% Portfolio)

Goal: Target returns of CPI + 3% over rolling 3-year periods.
Approach: Flexible, multi-asset funds that allocate efficiently between cash, bonds, equities, and property.
Benefit: Access to leading balanced fund managers focused on real returns with moderate risk.
Ideal For: Clients seeking steadier growth with lower volatility.

💡 A smart choice for conservative investors who want steady returns with some growth potential.

Investiplan Balanced Strategy (CPI + 5% Portfolio)

Goal: Target CPI + 5% returns over rolling 5-year periods.
Approach: Combines flexible and static balanced funds for efficient allocation across cash, bonds, equities, and property.
Focus: Moderate growth with a balanced risk profile.
Benefit: Access to established equity and growth managers, aiming to build long-term returns.
Compliance: Regulation 28 compliant — suitable for retirement portfolios.
Ideal For: Investors seeking long-term growth without excessive risk.

💡 A great option for investors who want a mix of growth and stability while staying within retirement fund regulations.

Investiplan Growth Strategy (CPI + 6% Portfolio)

Goal: Target CPI + 6% returns over rolling 7-year periods.
Approach: Flexible multi-asset funds combined with value-oriented equity funds, aiming to maximise growth potential.
Assets: Diversified across cash, bonds, equities, and property, with no duration constraints.
Focus: Long-term discretionary growth with a higher risk/reward profile.
Benefit: Access to leading equity and growth fund managers, aiming for strong compounding over time.
Ideal For: Investors with a long time horizon seeking aggressive growth and wealth creation.

💡 Suited to those aiming to grow their wealth substantially over time while accepting higher market fluctuations.

Disclaimer: CPI-relative targets are investment objectives over the stated rolling periods and are not guaranteed. Past performance is not a guarantee of future returns, and the value of investments can fall as well as rise. Portfolio holdings and fund managers may change over time.

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