Personal Banking Premier Business Wealth Management Corporate Log In Search Menu Investment philosophy Our unique approach to wealth management Our pioneering approach uses behavioural finance – how emotions impact your investment decisions – to help improve your long-term returns. Over the years, we’ve found that investors consistently struggle to get the sort of investment returns they should. We created a dedicated team of behavioural finance specialists to find out why, and to find out what we could do to improve our clients’ investment decision-making and returns. Our unique investment philosophy approach is the result of their research. How is our approach different? We’re often not aware of it, but our emotions – rather than practical reasoning – are the biggest driver of our investment decisions. The traditional approach to creating an investment portfolio focuses almost entirely on an investor’s attitude to risk and ignores the other emotional factors at work. Our investment philosophy approach measures six different aspects of an investor’s personality that relate to their financial behaviour and decision-making. We believe this enables us to develop more effective individual investment solutions that reduce the negative impact on returns caused by investor emotions. The three steps of our investment philosophy Understanding your wealth We start by using our expertise across our whole business to look at every aspect of your wealth. This allows us to see if you’re over-exposed to risk or missing out on opportunities for better returns. It also helps us to provide the right level of support and services. Your Financial Personality Assessment Once we've completed your wealth review, you'll be invited to take our Financial Personality Assessment1. This unique tool measures six key personality attributes in a robust, objective and scientific manner. The results help us understand how you think and feel about wealth and investments, and what influences your decision-making. Creating your individual portfolio We use the information from your wealth review and Financial Personality Assessment to create an individual investment portfolio that matches your situation, objectives and personality. We’ll continually monitor and manage your portfolio and adapt it to new opportunities as they arise or when markets change. 1If you’re already a client and would like to take the Financial Personality Assessment, please speak to your Wealth Manager. Things to consider The value of investments can fall as well as rise. You may get back less than what you originally invested. Request a call back To help us put you in touch with the right team and the right services, we have two questions to ask you. Do you live in the UK? Yes No Important Information Terms and conditions Banking terms Rates and fees What is Market abuse? Responsible investing Citizenship Accessibility Cookie policy Privacy notice Control your data Fraud and protection Contact us Find an office Twitter Facebook LinkedIn Cookies We would like to collect data from your device while you use this website. We do this using cookies. You can find out more in our cookie policy. Collecting this data helps us provide the best experience for you, keeps your account secure, helps us provide social media features and allows us to personalise advert and service message content. Please select 'Accept all' to consent to us collecting your data in this way. To see other data collection options, select 'Preferences'. Preferences Accept All