The HDA Investment Process (HIP)


With over 20 years experience of looking after investments and pension funds, we formalised our investment process in June 2008.

Our goal was to devise an investment process that would allow individuals, pension funds and trustees to invest with confidence - with a clear idea of their target return and the level of risk involved.

Most people accept that if they invest only in cash deposits their capital will be eroded by inflation over time. There is a need to invest in "real" assets such as shares and property in order to achieve "real" returns (ahead of inflation). Unfortunately, there may be periods of time when these assets fall in value.

Our research has shown us that, for most people, the pain of losing money is greater than the pleasure of making money. For this reason our assessment of risk for any investor is based on their tolerance of loss. In other words, what potential fall in value in the short term would be acceptable in the hope of achieving better longer term returns than cash deposits?

The HDA Investment Process offers, amongst other things, a range of "Cash Plus" portfolios. They offer clearly defined levels of risk and clearly defined target returns. Every HDA "Cash Plus" investor knows what their personal investment target is and the best and the worst they can expect in any rolling 12 month period.

The initial choice of investments in each portfolio is kept under constant review and changes are recommended as and when we feel it necessary. Formal reports and recommendations are issued to all investors on at least a six-monthly basis.

When you combine this with our competitive costs and highly personalised service we believe it is a compelling proposition.

Why not contact us for further information?