In this episode, Jonathan Gibson speaks with James Baker about the realities of long-term investing and the philosophy behind systematic portfolio management.

James shares insights from working with over 75 financial planning firms and explains why evidence-based investing continues to outperform emotional, prediction-driven decision making over time.

The conversation covers:

• The origins and philosophy of Albion Strategic Consulting
• Systematic vs active (judgmental) investing
• Why markets are difficult to consistently outperform
• The importance of diversification and risk management
• The role of small companies, value investing, and profitability factors
• Why investor behaviour is often the biggest risk
• The importance of sticking to a long-term financial plan

This episode is ideal for investors, financial planners, and anyone seeking a calmer, evidence-led approach to building wealth.

“Investing is simple, but not easy.”

“Diversification is your best friend in investing.”

“You haven’t lost anything until you sell.”

“Markets work pretty well — and that makes them incredibly difficult to outguess.”

“The best firms focus on the evidence and put clients at the centre of every decision.”

“Stick to the plan. Tune out the noise.”

“Time in the market matters more than timing the market.”

“Capitalism creates wealth — investing is simply participating in that growth.”

RISK WARNING

“Albion is not authorised by the Financial Conduct Authority to provide advice or to make arrangements in investments, or to carry out any other regulated activity. The views shared in this recording reflect general observations only and should not be interpreted as guidance for end investors or financial advice in any capacity. Any investment decisions should be made solely in consultation with a qualified and regulated financial adviser.”

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