Who we help
Investing for business owners and family company owners
For most business owners the company is the biggest investment they will ever make. The risk is that it is also the only one.
The challenges
- Almost all your wealth in one company and one sector.
- Profits reinvested in the business, leaving little outside it.
- Uneven income from dividends and drawings.
- Succession questions across family members with different needs.
How a disciplined process helps
Build wealth outside the business on a schedule
Set a regular amount, or a share of profits, that goes into investments outside the company. Treat it as a fixed cost of running the business rather than what is left over.
Over time this creates a second engine of wealth that does not depend on your industry.
Diversify away from what you already know
If your business is in property, technology or manufacturing, your personal portfolio does not need more of the same. Spread across sectors and countries that behave differently.
Our guide to what works in investing explains why combining different factors reduces risk.
Bring the family into the process
Family companies often pass on shares without passing on knowledge. Teaching the next generation a written investing process is as valuable as the assets themselves.
Founders and the next generation can learn the same approach together.
Where to start
- Guide: What works in investingThe research behind a factor-based, rules-driven approach.
- Guide: DIY investing, what it takesThe time, tools and habits needed to manage your own money well.
- Free portfolio reviewSend your holdings for an educational review of what you own and what it costs.
- Structured investing: 6 lessonsFrom a client review.
Questions people ask
Should I invest through my company or personally?
That is a tax and legal question for your accountant. Our focus is the investing process, whichever structure you use.
How much should I hold outside the business?
There is no single answer, but many owners aim to build enough outside the company to cover their needs if the business struggled.
Can family members learn together?
Yes. Founders and the next generation can learn together, so the family shares one approach.
Important: this page is education and information only. It is not financial advice or a personal recommendation, and it does not take your circumstances into account. The value of investments and pensions can fall as well as rise, and you may get back less than you put in. Past performance is not a reliable indicator of future results. If you are unsure what is right for you, speak to a regulated financial adviser.