Enable Independent Ltd
Astute financial planning with the aid of an Independent Financial Adviser plays a significant role in reducing liabilities and maximizing the value of our assets. That is why the choice of adviser is such an important one. At Enable Independent we know that our clients trust us and rely on our advice to help them to plan a better, more secure financial future. This is a responsibility that we

Astute financial planning with the aid of an Independent Financial Adviser plays a significant role in reducing liabilities and maximizing the value of our assets. That is why the choice of adviser is such an important one. At Enable Independent we know that our clients trust us and rely on our advice to help them to plan a better, more secure financial future. This is a responsibility that we take very seriously especially because we know that many clients have chosen us on the recommendation of friends and family. Each one of our advisers has deep expertise in their area of specialist knowledge and, as a team, we hold some of the highest qualifications available in the financial advice industry. Our job satisfaction comes from using our skills to find workable, affordable and flexible solutions to meet our clients needs. Whether we are planning for known future funding requirements such as house purchase, school fees or income in retirement - or for the unforeseen such as job loss, long-term illness or early death, our independence from any product provider enables us to view the marketplace impartially. Our training permits us to look beyond a product's marketing hype and select on the basis of its fitness for purpose. Our Investment Philosophies Fundamentally, we are advocates of ‘passive’ rather than ‘active’ investment management. Simply put, we look to try and extract as much of the market return as possible for the least cost. This is not the message that you will hear from the majority of investment advisers, stockbrokers or IFAs, but our view, backed by a wealth of research, leads us to conclude that most active fund managers fail to live up to their hype. The active approach is that it is possible to consistently out perform ‘the market’. Why then do the majority not achieve this? Depending on which research you read, the percentage of funds that consistently beat their benchmark is perhaps only 25%- what are the chances of picking the right one? The research that we and others have carried out has demonstrated that over the long term, risk and reward are inextricably linked. In other words, the expectation of higher return will require a tolerance to higher volatility (risk). Moreover, equity investment has delivered the best long term returns when compared with cash, fixed interest securities (such as Gilts etc) and property, although it has certainly not been a smooth ride. We have constructed a range of graded portfolios that blend lower risk/return assets with higher risk/return assets to achieve the desired portfolio characteristics. We then model the historic returns to ensure that our theory is backed up by witnessed results. All asset classes are accessed using very low cost passively managed funds. We currently use institutional class funds from Legal & General and Dimensional Fund Advisors plus Exchange Traded Funds (ETF’s) from iShares and Lyxor but are constantly looking to improve our offering to clients. The resulting total composite Annual Management Charges (including all trading costs, custodian fees etc) being in the region of 0.19% - 0.54% p.a. depending on the size of the portfolio and the risk grade selected. For the avoidance of doubt, please note that Enable’s fees and the investment platform/investment wrapper fees are in addition to this.
Address: 25C North Street, Bishop's Stortford, Hertfordshire CM23 2LD, UK
Phone: +44 1279 755 950
FAX: +44 1279 657 339