Our Approach

quotes_icon_twhp
Tideway specialise in advising clients planning for retirement or living off their investment income.

– James Baxter, Managing Partner

quotes_icon_twhp
James-Baxter1595329359
Managing Partner

James Baxter

Tideway’s leadership has over 35 years of investment advisory experience. We believe in hard work, thorough research and strong due diligence. We are not aiming to shoot the lights out, we are focused on capital preservation and we are passionately sensible in the way we set about investing your money. This runs through the whole firm, from the wealth managers we hire, the pension and platform providers we use, the external research we pay for, through to the funds and managers we select to invest in. It is a collaborative team effort. No short cuts, just passionate, sensible effort.

quotes_icon_twhp
We have created ten portfolios to address different objectives and risk appetites. The portfolios target a range of real returns, annual income yields, risk ratings and investment objectives.

– Ben Klein, Senior Wealth Manager

quotes_icon_twhp
quotes_icon_twhp
The most important factor in fund selection is the quality of the investment process. Past performance of funds in isolation has historically been a poor indicator of future returns but is still widely used by many advisers and wealth managers as the way to pick funds. It can be an indicator of manager skills or it can simply be because that manager has been in the right place at the right time, more by coincidence than skill.

– Sue Maydwell, Senior Adviser

quotes_icon_twhp
Neil-Croxford1595329346
Chief Executive Officer

Neil Croxford

Tideway does not select and invest directly into individual shares or bonds. To do so across bonds and shares on a global basis would require a big team and it would be very hard for any one company to hire the best talent needed to do all of this well. By investing in collective funds, we get the proper level of diversification into your portfolio to reduce the chances of any big permanent losses through the collapse of one company. Plus, we get to hire what we believe is the best talent to look after your money. Talented fund managers get drawn to firms specialising in fund management for the best rewards and best support for their skills. This is where we go hunting for our selected funds.

quotes_icon_twhp
We plan for short term investment volatility; it should be embraced and not feared. The risk of the portfolios is a function of how much their value may go up and down in the short term and the length of time it will take to ensure a profit if you are unfortunate enough to invest just before a market correction. We can’t completely smooth the performance of the portfolios.

– Mike Winstanley, Chartered Wealth Manager

quotes_icon_twhp
quotes_icon_twhp
Extensive research effort goes into the construction of each portfolio. We have a two-step process to construct each portfolio, both of which are reviewed and approved by Tideway’s investment committee.

– Nick Gait, Investment Director

quotes_icon_twhp
James-Saddington1595329413
Chief Compliance Officer

James Saddington

At Tideway we believe in the value of clear strategies, supported by detailed analysis. We are first and foremost cautious investors, being aware of the irreplaceable nature of much of our clients funds. Our structured approach ensures every client gets the benefit of the hard work underlying our model portfolios. Overall, we believe it’s a passionately sensible approach. We’ll be sensible now so you don’t have to be later.

quotes_icon_twhp
We believe the most important factor for selecting funds is the quality of investment process. A good investment process must include detailed analysis of the portfolios constituent company fundamentals as well as explicit controls to protect against downside risk. This is what ensures the protection of capital and generates the consistency of returns that we look for.

– Ruth McCamley, Adviser

quotes_icon_twhp
quotes_icon_twhp
The portfolios make use of a wide range of fixed income funds lending to companies, equity funds investing in the shares of companies and alternatives funds often backed by real assets such as commercial property or infrastructure. The different risk and return characteristics of these funds enables us to construct our portfolios to deliver a range of target returns and risk levels.

– Sam Ratnage, Chartered Wealth Manager

quotes_icon_twhp