Performance Update

As we are approaching the 10-year anniversary of the onset of the Financial Crisis in October 2007, I thought you might like to see how a sample of the Model Portfolios recommended by Clearwater have performed over that 10-year period.

The following Chart shows very clearly how the higher-risk portfolios fell much more sharply during the ‘Credit Crunch’ and how they have now recovered – it took a long time though!  


The most popular portfolio is EBIP – Portfolio 60 and I don’t think it’s difficult to see why that might be. EBIP 60 provided some valuable protection on the downside when markets fell but was sufficiently exposed to high-risk assets to benefit from the recovery when it came. Although EBIP 100 now sits at the top of the table, for much of the ten-year time period illustrated, more balanced (in terms of risk) investors were doing rather better. Risk and return are clearly related but that does not necessarily mean taking ever more risk leads to correspondingly higher returns.  

If you would like more detailed information on our Investment Philosophy and the Model Portfolios, please let me know as I have just updated our Model Portfolios Presentation, with data from 1956 to 2017, and I will be happy to e-mail you a PDF.

If you have any concerns or questions about any finance related matter, please do not hesitate to call me at any time.

With best wishes,

Yours sincerely


Graham Ponting CFP Chartered MCSI
Managing Partner