Our Approach

At Clarion, our investment management is guided by evidence based investing.  We combine the science of investing with the art of financial planning, so you can live with confidence today and peace of mind about tomorrow.

Our investment philosophy is guided by proven financial research, applied with care by our in-house Investment Committee. We do not chase trends or make predictions. Instead, we rely on evidence, structure, and oversight to manage wealth responsibly over the long term.

We focus on what can be controlled: diversification, discipline, and costs. This allows us to create efficient portfolios designed to weather uncertainty and deliver the returns that markets provide.

Our approach is built on five enduring principles, which together form the foundation of our Investment Philosophy.

Evidence based investing

At Clarion, we believe that investment decisions should be grounded in proven research rather than speculation. Decades of financial science show that disciplined, diversified portfolios can deliver better outcomes than chasing the latest market trend.

• Built on Nobel Prize-winning Modern Portfolio Theory and the Fama-French factor models.
• Demonstrated drivers of long-term returns include diversification, company size, value, and profitability.
• Avoids speculation, prediction, and short-term headlines.
• Positions portfolios to capture the returns that markets make available.
• Provides confidence that wealth is managed with discipline and clarity.

A systematic process

At Clarion, we know that markets are unpredictable in the short term. That is why we follow a structured, repeatable process designed to remove guesswork and emotion. This discipline helps keep your portfolio aligned with your long-term goals, whatever the headlines may say.

• Globally diversified portfolios reduce reliance on any single market.
• Regular monitoring ensures portfolios remain balanced and appropriate.
• Disciplined rebalancing keeps risk and return aligned to your plan.
• Avoids speculation and market timing, focusing instead on what can be controlled.
• Provides consistency and confidence through changing market conditions.

Cost efficiency

At Clarion, we believe every pound matters. The less you spend on costs, the more of your wealth remains invested and compounding over time. By focusing on cost efficiency, we ensure that your portfolio works harder for you, without hidden charges or unnecessary complexity.

• Every pound saved in costs is a pound that stays invested.
• We carefully select cost-effective investment solutions without compromising quality.
• Disciplined portfolio construction reduces unnecessary turnover and trading costs.
• Transparent approach ensures you always know what you’re paying.
• More of your wealth compounds over time, improving long-term outcomes.

Independent oversight

At Clarion, your investments are not left to chance or to a single individual. Every decision is reviewed and challenged by our in-house Investment Committee. This structure ensures that your portfolio benefits from a range of expertise, robust governance, and a disciplined approach at all times.

• Oversight provided by Clarion’s in-house Investment Committee.
• Regular meetings to review strategy, risks, and performance.
• Independent challenge ensures no single viewpoint dominates.
• Provides governance, accountability, and transparency.
• Ensures your portfolio is always aligned with your long-term plan.

A responsible perspective

At Clarion, we believe investing responsibly is an essential part of securing long-term value. Considering sustainability factors is not about following fashion or sacrificing returns. It is about identifying risks and opportunities that could affect your wealth in the years to come, and building resilience into your portfolio.

• Considers environmental, social, and governance (ESG) factors where they add long-term value.
• Helps manage risks that could impact companies and markets over time.
• Ensures portfolios are resilient and forward-looking.
• Keeps your financial goals at the centre of every decision.
• Balances responsibility with discipline, so you can invest with confidence.