We favour concentrating investments in equities as their long-term returns have been greater than other assets.

OLIM believes that equities are likely to give the best long-term returns in the future as they have over many decades. For clients based in the UK we recommend UK equities. Our approach to investing in equities, as set out below, means that our portfolios generate a decent real yield. Where clients want to reduce short term capital fluctuations, or need a higher immediate income, we invest in fixed income holdings – OLIM has considerable expertise in this area – or add overseas holdings for greater diversification.