Guardian Portfolios

A low-cost tactically traded portfolio service design to grow and protect investment and pension assets by smoothing long-term returns.

Our unique, tactically managed portfolio service is conceived to help protect investment and pension portfolios from large stock market falls, mitigate sequence of returns risk and reduce volatility allowing investors greater confidence in consistent returns.

Our five Guardian portfolios are designed to protect income paying portfolios by smoothing longer term returns which will allow Financial Advisers to plan with greater accuracy and confidence. Our portfolios are designed to assist in an efficient, reliable, low-cost decumulation pension strategy.

Decumulation investors could hold a combination of cash to support their income requirements and a Guardian Portfolio that focuses on providing consistent returns and capital protection. We do not use structured products that introduce additional risk and cost. Instead, we prefer the use of low-cost index-tracker funds as our underlying assets.

Reduced volatility

Smoother long-term returns, supporting more accurate cash flow modelling.

Addressing sequencing risk

A strategy designed for pensions and focused on capital preservation.

Avoiding maximum drawdown

Protecting investment and pension assets in times of market stress.

Key Objectives

  • Focuses on growth and capital preservation
  • Reduces Volatility
  • Smooths long-term returns supporting more accurate cash flow modelling
  • Limits the sequence of returns risk
  • Reduces maximum drawdown
  • Protects assets in times of market stress
At any one time based upon our tactical trading signals each Multi-Index Portfolios may hold an equity allocation between the published maximum and nil.
Tomiko Evans Chief Investment Officer

Tomiko Evans

Chief Investment Officer
Guardian Defensive Portfolio

Defensive Portfolio

The Guardian Defensive Portfolio is a tactically traded passive growth strategy. It is aimed at medium to long term investors who are seeking a cautious investment that has a genuine prospect of capital growth.

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Guardian Defensive Portfolio

Cautious Portfolio

The Guardian Cautious Portfolio is a tactically traded passive growth strategy. It is aimed at medium to long term investors who are seeking a relatively cautious investment that has a genuine prospect of capital growth.

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Guardian Balanced Portfolio

Balanced Portfolio

The Guardian Balanced Portfolio is a tactically traded passive growth strategy. It is aimed at medium to long term investors who are seeking capital growth from a diversified portfolio of mainly equity investments.

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Guardian Strategic Portfolio

Strategic Portfolio

The Guardian Strategic Portfolio is a tactically traded passive growth strategy. It is aimed at medium to long term investors who are seeking capital growth from a diversified portfolio of mainly equity investments.

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Guardian Adventurous Portfolio

Adventurous Portfolio

The Guardian Adventurous Portfolio is a tactically traded passive growth strategy. It is aimed at medium to long term investors who are seeking capital growth from a speculative portfolio of mainly equity investments.

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Guardian Performance Report

Performance Report

Here are the FE Analytics reports that compare the relative performance over the past five years and the respective technical ratios for each of the five Guardian Portfolios against one another. These reports are updated monthly.

Performance Report
Guardian Performance Review

Performance Review

This review covers the quarter until the 1 October 2020. Our Guardian portfolios have performed well in the recent volatile markets.

Performance Update and Review

Decumulation Strategy

The predicament faced by income seeking investors is downside sequence of returns risk and the potential impact this has on future capital values and income withdrawals.

A very real danger to long-term income investors is the potential damaging impact of early falls in a pension fund value causing a reduction in long-term capital values, also known as sequence of returns risk. This impact is magnified when income withdrawals are needed creating a ‘double’ fall in values. Research into sequencing risk shows that an early fall in an investment creates a long-term impact on capital values which can aff ect the long-term viability of income withdrawals. Also during decumulation, the process of selling the underlying assets for income when the market is falling has a greater impact on the reduction of the underlying capital.

The Crossing Point Guardian portfolios seek to minimise sequence of returns risk, volatility and maximum drawdowns by smoothing long-term returns through the combined use of asset allocation and trend-following tactical trading. This double layer of volatility control allows financial advisers to plan ahead with greater accuracy over future returns.

Crossing Point Guardian strategies are designed to protect capital values of income paying portfolios allowing retired investors to take an income from a portfolio with greater confidence.

Examples of how trend-following strategies work

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Guardian Trend Following During A Crisis

Guardian trend following during a crisis document shows how the strategy worked in back testing during the 2008 crisis and live through the Covid-19 crisis.

Guardian Trend Following
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Guardian Decumulation Strategy

The Guardian decumulation strategy document displays the effectiveness of the Guardian portfolios as a decumulation strategy.

Guardian Decumulation Strategy
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Sequence of Returns Risk

This document demonstrates the impact that the sequence of positive and negative rates of return can have on an investment.

Sequence of Returns Risk

Examples of ISA Illustrations

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Guardian ISA Example Illustration

This document details the performance ratios, costs and risk ratings of a 5 year illustration investment in each of the 5 Guardian portfolios.

Guardian ISA Illustration
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Guardian/Heritage blended ISA Example Illustration

This document details the performance ratios, costs and risk ratings of a 5 year illustration investment into a 50/50 blend of the Guardian and Heritage portfolios.

Guardian/Heritage ISA Illustration

Read More Investment Views from our blog

Guardian Portfolios - A low-cost tactically traded portfolio service design to grow and protect investment and pension assets by smoothing long-term returns.

Guardian Trade Update

Last week volatility and values in equity markets reached levels last seen in April. The large jump in coronavirus cases has led to lockdowns throughout Europe and the UK causing equity markets to...