Soon we’ll not be supporting this browser anymore.
This means our website may not look and work as you would expect. Read more about browsers and how to update them here.

Skip to main content
  • Register
  • Help
  • Contact us
  • A A A
  • How small changes can mean big gains for your investments

    Find out how we can help you make marginal gains with your finances.

    Important notes

    This article isn’t personal advice. If you’re not sure whether an investment is right for you please seek advice. If you choose to invest the value of your investment will rise and fall, so you could get back less than you put in.

    Former Performance Director of British Cycling and Ineos Grenadiers Team Manager Sir Dave Brailsford has long stood by his coaching practice of making marginal gains. This approach has yielded success across two Olympiads for Team GB and led to 7 Yellow Jersey wins in the Tour de France.

    Brailsford based his marginal gains approach on the Japanese business idea of Kaizen – a continuous cycle of learning and improvement. He works with his athletes to break down everything which could affect their performance and tries to improve it by 1%. Once you put all those aspects back together, the whole becomes greater than the sum of its parts.

    Some of the marginal gains Brailsford finds may seem borderline obsessive. During the Olympics, he hired in surgeons to teach his cyclists how to wash their hands properly to reduce the risk of infection. When working for Team Sky (now Ineos Grenadiers), he noticed that dust in the mechanics' area was affecting bike maintenance and insisted it was kept spotless. He even had the interior layout of the team bus rearranged to provide optimum comfort and recovery for his riders.

    The concept of marginal gains is applied beyond the world of cycling across sectors such as aviation, education and health care. You can make your own marginal gains in your day-to-day life including your finances.

    Get your own Sir Dave Brailsford for your finances

    Our advisers can act like coaches and work with you to find marginal gains which can add up to big improvements.

    They work with a wide range of clients, from beginners to seasoned pros, and can identify which areas to focus on to see the biggest gains.

    Perhaps the most obvious improvement is improving your portfolio performance. Whilst improvements in investment performance can’t be guaranteed, even a small improvement could add up to a huge difference over time.

    Even a small shift from 5% to 5.5% annual return could make a difference of nearly 8% over 10 years – an extra £800 on a £10,000 investment. Now imagine applying that 0.5% improvement across your SIPP, ISA and other investments and you’re really making a difference.

    However, please note that this is an example and all investments fall as well as rise in value, so you could get back less than you invest.

    Find out more about financial advice

    Unquantifiable gains

    It’s less tangible, but an adviser can help you gain confidence and peace of mind. An adviser will always find out what your end goal is in order to advise you appropriately and give you confidence you’re taking the right course of action.

    We’ll help you map out what you’ll need your money for and when, to help you find out if you’re on track to achieving your financial goals. So you can be confident you’ll be able to live the life you want right the way through to, and in, retirement.

    Find out where you could make marginal gains

    Whether you’re a seasoned investor in need of some guidance, or you’re at a turning point in your financial life and need a plan, our advisers can help.

    When you take advice from us, it’s totally on your terms. You decide how you get your advice (on the phone or in person), what we advise you on and how often. We do charge for this service but you’ll only ever pay for the advice you really need.

    To find out more about how our advisers could help you, book a call back.

    Book your call back

    Related articles

    Category:

    Get an investment ‘coach’ by taking advice

    All the best athletes employ coaches to make sure they’re at the top of their game – the same principles could work for your investments too.

    Laura Burridge

    3m read

    Category:

    How small changes can mean big gains for your investments

    Find out how we can help you make marginal gains with your finances.

    Laura Burridge

    3m read

    Category:

    Three rules of thumb for retirement

    When it comes to your retirement, the stakes are high. There are plenty of tips out there, but some should be taken with a pinch of salt.

    Nick Colman

    5m read

    Category:

    Expecting an inheritance to fund your retirement? Don't bet on it

    We take a look at the risks of relying on a big inheritance and what you could do to make sure you don’t need one to live comfortably in retirement.

    Laura Burridge

    4m read