02 Asset Allocation
Asset Allocation is widely regarded as the single most important determinant of a portfolio’s long-term performance. It refers to the way your investments are distributed across different asset classes—such as equities, bonds, property, and cash—based on your goals, risk profile, and investment horizon.
Research shows that over 90% of a portfolio’s returns can be attributed to its asset allocation, making it significantly more influential than market timing or individual stock selection. In fact, it’s estimated to be ten times more impactful than these other strategies combined.
This principle lies at the heart of Modern Portfolio Theory, the Nobel Prize-winning framework developed by Harry Markowitz. For more than half a century, this theory has underpinned disciplined investment strategies by demonstrating the importance of diversification—the idea that spreading investments across uncorrelated assets can reduce risk without sacrificing return.
At Cilbenrick, we apply these time-tested principles to construct well-diversified portfolios that are designed to deliver resilient, long-term performance, tailored to your personal financial objectives and tolerance for risk.
02 Asset Allocation
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What our client’s say
"We've always found Cilbenrick to be thoroughly professional; attentive, pro-active, responsive to our requests and very friendly and personable. They give us excellent feedback on our portfolio which includes a good overview with detailed analysis behind it to support their recommendations. They are creative and are always willing to research the best ways to make investments work for their clients. They are people-orientated; are very knowledgeable, honest, reliable and diligent and we would have no hesitation in recommending Cilbenrick to prospective new clients"
Mark & Fiona Wilson - Human Resources Manager
"The key strengths I find in using the services of Cilbenrick are the reassurance that specialists are monitoring the performance of our investments and providing regular updates and advice to enable us to maximise returns. I also like having our investments under one umbrella to simplify the administration of our financial affairs"
SANDRA EVANS - ACCOUNTANT
"This is how financial planning should be! A full investigation of your current position. Time spent analysing where you want to be in future. Then a sophisticated software package and advice to help you decide how you are going to get there. First class"
Austin & Judith Roberts - Optician
"The level of detail is excellent and, though requiring accurate and in-depth input, it has allowed important decision making to take place. Without this process we would still be wondering whether these things were possible and what effect this would have in later life. Now we know"
Andrew & Hilary Quinlan - Management Consultant
"We have found the level of service provided by Cilbenrick very thorough and detailed, proving very informative and helpful, thus enabling us to make decisions about our future and our children's"
Martin & Hilary Salmon - Farmer
"I have regular reviews of the performance of my portfolio and total transparency of movements within the wrapper. Moving the mix of investments between the best performing funds has provided above-average returns. I am very pleased with the professional advice Cilbenrick has provided over the years and would not hesitate to recommend their services"
Andreas Klimczak - Management Consultant
"Since appointing Cilbenrick as my financial advisers, they have significantly improved the returns of my pension and investment portfolio. Their advice has given me greater confidence, understanding and re-assurance"