At Fowler Drew, we specialise in liability-driven investment (LDI) strategies that align your investment assets with your financial obligations. Widely used by institutional pension funds, this approach ensures that your wealth management strategy is both effective and resilient.
LDI focuses on matching the cash flow from your investments with your financial commitments. This alignment provides greater predictability and security, reducing exposure to market volatility and interest rate fluctuations. For private clients, LDI transforms wealth management into a precise and goal-oriented process.
Investment Advice
Secure Your Financial Future: Match Your Assets to Your Life Goals
Bespoke application of institutional techniques of Asset/Liability Matching and Liability-Driven Investing for private individuals.
Comprehensive Resource Integration
We integrate all your financial resources into a unified plan designed to maximise efficiency and sustainability. This ensures that every pound you invest works towards achieving your specific objectives.
Advanced Predictive Modelling
Our sophisticated investment models predict and manage financial outcomes over time, providing you with a data-driven roadmap to secure your financial future.
Personalised Goal-Based Strategies
By aligning your assets with defined financial goals, we ensure that every investment decision contributes directly to your desired outcomes.
Holistic Wealth Management
From asset allocation to liability matching, our comprehensive approach ensures your wealth is managed to minimise risks while optimising returns.
Liability-Driven Investment: A Strategic Approach for Private Investors
Why We Choose LDI Over Traditional Wealth Management
Key Benefits of Liability-Driven Investment
Our Approach
How Fowler Drew Implements LDI
Typical Client Goals
Why Choose Fowler Drew
Liability-Driven Investment: A Strategic Approach for Private Investors
Why We Choose LDI Over Traditional Wealth Management
Traditional wealth management often relies on assumptions about market returns, leaving performance vulnerable to unpredictability. In contrast, LDI prioritises risk management by matching assets to liabilities. This reduces exposure to market volatility and ensures that your investment strategy delivers predictable outcomes aligned with your financial goals.
Key Benefits of Liability-Driven Investment
- Risk Mitigation: By aligning assets with liabilities, LDI minimises the impact of market volatility and interest rate changes on your portfolio.
- Predictable Outcomes: LDI strategies are designed to deliver returns within a specified range, providing greater certainty in meeting financial obligations.
- Holistic Financial Planning: Our approach integrates LDI into a comprehensive financial plan that considers all aspects of your wealth, ensuring every investment supports your overall objectives.
- Flexibility and Control: With the ability to adapt to changing circumstances or goals, our LDI strategies offer the flexibility to maintain control over your financial future.
How Fowler Drew Implements LDI
At Fowler Drew, we leverage our expertise in liability-driven strategies to create customised investment plans that align with your personal financial goals. Our process includes:
Goal-Based Planning
Our Approach
1
Comprehensive Goal Setting
Your financial journey should reflect your values, ambitions, and the people who matter most to you. Imagine the benefits you want your money to provide at every stage of life—whether it's securing a comfortable retirement, funding your children's education, or supporting causes close to your heart. Our team of experts, supported by our advanced systems, helps you transform these aspirations into clearly defined goals.
Using sophisticated probabilistic modelling, we identify the optimal combination of resources, time, risk, and outcomes that will bring you the greatest satisfaction. This isn't about us deciding what's "suitable" for you; it's a collaborative process where you explore the consequences of different scenarios and express your preferences.
Once these variables are tailored to your unique needs, they guide the design and management of your goal-based portfolios.
2
Customised Investment Implementation
We establish a cost-effective network of third-party custody and dealing arrangements tailored to each individual contributing to your financial goals. Whether it's pensions, ISAs, JISAs or trusts, we ensure that all resources are strategically aligned.
3
Continuous Portfolio Management
As life unfolds and your personal circumstances evolve, so too should your investment portfolio. We understand that changing goal horizons and ambitions require a dynamic approach to ensure your financial plans remain on track. This is why we embrace Controlled Outcomes Investing—a process that transforms investment management into an ongoing journey of financial planning.
Use our free drawdown tool to see how Fowler Drew’s systematic approach could let you achieve your goals faster?
Get startedHow Fowler Drew Implements LDI
At Fowler Drew, we leverage our expertise in liability-driven strategies to create customised investment plans that align with your personal financial goals. Our process includes:
- Assessing Your Liabilities: We start by understanding your current and future financial obligations.
- Strategic Asset Allocation: We select investments that align with your liabilities, focusing on minimising risk while achieving appropriate returns.
- Continuous Monitoring: We regularly review and adjust your portfolio to ensure it remains aligned with your goals, regardless of market conditions.
By choosing Fowler Drew for your wealth management needs, you benefit from a proven methodology that prioritises stability and predictability, ensuring your investments support your life goals.
Typical Client Goals
Retirement and Lifestyle Security
Planning for a comfortable lifestyle beyond the working years, using tailored, goal-specific portfolios to meet retirement needs.
Major Life Milestones
Whether funding education, a property, or a business, we help align your investments with each significant milestone.
Legacy and Charitable Contributions
If you aim to create an impactful legacy or support causes, our goal-based approach can ensure your intentions are realised effectively.
Why Work with Fowler Drew?
At Fowler Drew, we understand that every client’s financial journey is unique. Unlike standardised wealth management solutions that prioritise profitability for the industry, our approach focuses on aligning your assets with your life goals. Using advanced techniques such as liability-driven investing (LDI), we deliver tailored strategies that prioritise your long-term financial security and aspirations.
- Tailored Solutions: Our bespoke investment plans are designed to meet your unique financial needs.
- Innovative Tools: Advanced modelling techniques provide clarity and confidence in achieving your desired outcomes.
- Proven Expertise: With decades of experience, Fowler Drew has a track record of delivering reliable and effective investment advice.
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Meet our team
Testimonials
What our clients have to say
"You demonstrated we had a genuine surplus, giving us the confidence to spend. That foresight set you apart from typical financial advisers."
"Your low-cost ETF philosophy and focus on outcomes, not stock picking, have made a big difference. It's a refreshing approach to investing."
"Trusted for integrity, honesty, and peace of mind. Advice is clear, client-focused, and easy to assess. Truly a cut above the rest."
“I have had a great experience with FD drew. Izzy was really supportive an...”
Carl
16,August
“I have had a great experience with FD drew. Izzy was really supportive an...”
Carl
16,August
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