Empiric Student Property PLC - The recent recovery in the share price of Empiric Student Property PLC seems to have coincided with the release of a Trading Update & Notification of Director & Management Change earlier this month. We are pleased that this investment is showing positive signs as the performance has been underwhelming over the past 12 months.

Scottish Mortgage Investment Trust – Once again, this investment trust has performed exceptionally. We are very pleased with the performance and identify this as a long term holding for our model portfolios.

31/36 (86.11%) of our individual investment choices between the period of 06.06.18 - 18.07.18 have outperformed the index of the FTSE all-share. We are very happy with this figure and it demonstrates the effectiveness of our investment analysis process.

All of our model portfolios have outperformed the FTSE-allshare this year to date as demonstrated in our 'Key portfolio details' feature. We also did some interesting analysis comparing our model portfolios to two of the biggest Discretionary Investment Management firms in the UK. Once again, since the start of the year our model investment portfolios have outperformed their investment selections.

All of our investment decisions are made on a best-endeavours basis and with the of best intentions for our clients, based on our knowledge, analysis & expectations at the time. However, all markets are inherently unpredictable. For clients who are nearing retirement, their pension funds are gradually switched to lower risk model investment portfolios, to avoid exposure to more volatile, uncertain & relatively riskier sectors such as emerging markets. For our longer-term pension fund investors, we take a longer-term investment view