Why Smart Money Doesn’t Sit Still
The Power of Diversification, Asset Allocation & Bespoke Advice
Your career moves fast. Your money should too, but with a personalised plan.
So, what does that actually mean?
Think of your investments like a football team. You wouldn’t play with 11 strikers. You need balance defenders, midfielders, and a goalkeeper. Diversification works the same way: spreading your money across different types of investments (property, shares, bonds, cash) so if one area struggles, others can hold the line.
Asset allocation and regular planning is your game plan. It’s how you decide what percentage of your money goes where, based on your goals, lifestyle, and risk comfort.
The Growth of Wealth chart below demonstrates the growth within different investments over the past 5 years.*
Think about it like this: You wouldn’t bet your entire season on one player.
Injuries happen. Form dips. If all your hopes and your money are riding on a single asset, company, or property, one bad break could cost you everything.
Smart investing is about building a squad. A mix of players (or assets) that can perform under different conditions. That’s diversification.
Returns are random, planning isn’t
No one can predict which investment will win each year. One year it’s global shares, the next it’s UK property. Trying to guess is like picking a winner in a penalty shootout blindfolded.
Stat to know: Over the past 20 years, the best-performing asset class has changed almost every year. Diversification helps smooth out the highs and lows.
Diversified portfolios historically recover faster from downturns than those tied to a single asset class.
Let’s make it simple
At Pillar One we specialise in helping sports and media professionals make smart, stress-free financial decisions. We’ll build a plan that fits your lifestyle, protects your future, and grows with you without the jargon.
Your career is unique. Your financial plan should be too.
*Capital is at risk. The value of investments can go down as well as up and you may not get back the amount you originally invested. Past performance is not a reliable indicator of future returns.
Source: FE Analytics, returns are based on IA sectors performance.