We can offer through Crossing Point Investment Management, a range of tactically managed index tracking portfolios aimed at protecting investment and pension funds from large stock market falls, mitigate sequence of returns risk and reduce volatility allowing investors greater confidence in consistent returns.

This active management process uses a sophisticated and adaptive algorithm which responds to evolving stock market conditions by signalling when to buy into equity assets as they start to build upward momentum, but also when to leave the asset when markets reverse and move to the security of safer assets to protect gains.

The advanced trend following algorithms monitor the relevant strength or weakness of individual markets and individual funds offering a unique insight into fund selection and providing a mathematical assessment of market trends that supports the decision over how much or how little the managers wish to participate in both equity and bond markets.

Portfolio asset allocation is further refined by research on market sentiment indicators that run alongside the trend following market data.

The market sentiment indicators can collectively calibrate the level of confidence in the global economy. Market sentiment factors offer additional data to decide the level of market participation in a traditionally diversified asset allocation. The portfolios provide a more smoothed consistent return at lower risk and lower cost.

The five Guardian portfolios are designed to protect income paying portfolios by smoothing longer term returns. These portfolios are designed to assist in an efficient, reliable, low-cost decumulation pension strategy.

The portfolios are monitored daily but updated normally monthly if trading’s are signalled. During periods of market stress trades may be much more reactive and frequent.

There are five Guardian portfolios which bring together low-cost index tracking funds from leading fund management groups covering all the major global markets.

This portfolio range provides diversity of assets and seeks capital growth across global equity and bond markets at a low cost to the investor. All portfolios are benchmarked against the most relevant Investment Association (IA) national average.