Continued transparency is the best approach

Sam Kelly DipPFS, EFA, BA (Hons) Managing Partner, Chorus Financial.
Sam Kelly.

Sam Kelly DipPFS, EFA, BA (Hons) Managing Partner, Chorus Financial.

I wanted to continue our honest and open approach here at Chorus Financial by comparing the recent performing of our Chorus Balanced portfolio against a seriously high-quality benchmark.

In the UK, as an industry standard, many financial advisers compare themselves against the performance of the AFI – Adviser Fund Index.

The AFI is a panel of leading UK financial advisory firms, and their portfolio offerings for Cautious, Balanced and Aggressive clients. It’s a great index to compare your adviser again, because these are leading UK financial advice firms, following UK rules on independence and transparency.

As many of you will know, for many years now I have been providing updates every few weeks showing you the performance of the Chorus Balanced portfolio.

The Chorus Balanced portfolio was put together in-house at Chorus, and one which many of our clients hold. I would add at this point that we do also personalise portfolios for clients, so this should be seen only as an example portfolio – it may not be suitable for you individually, depending on your attitude to risk and capacity for loss.

The Chorus Balanced portfolio has an FE Risk score of 49, about half the risk of investing directly in the FTSE 100, which has an FE Risk score of 100. This means it’s suitable for clients with a balanced attitude to risk.

As you can see from the chart, Chorus Balanced has significantly outperformed the AFI Balanced portfolio over the last 5 years, and particularly reassuring for our clients, is that even during this awful market sell-off we have seen, the portfolio is currently up 2.4% over the last 12 months, where the AFI is down -6.8%. This means Chorus Balanced portfolio clients are significantly better off in comparison to those invested by a leading panel of UK firms.

As much as we can’t guarantee future returns, it is also worth noting, that if you can protect yourselves during a downturn, it means you will have more capital to benefit from the subsequent market recovery.

I firmly believe that whether you’re a new investor, or a client of another firm who has had a disappointing year, being in a Chorus portfolio will benefit you moving forward.

Remember, at Chorus Financial, we are fully transparent with our fees – this means you know what you’ve agreed for us to be paid, rather than some hidden commission based on a long product tie-in. This means we’re fully aligned with your financial goals from day one and motivated for you to succeed.

If you’d like to discuss any pension or investment, please contact me direct on +34 664 398 702 or

Investment contracts are intended as medium to long term investments, and all investments have some level of risk. Figures in this article are examples of what can be achieved, and cannot be guaranteed; the value of your investments can go down as well as up. Fees and charges can vary and will be fully explained to you before any advice can take place. This article should not be considered as investment advice or a recommendation of any particular product.

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