We subscribe to the following principles of investing:
- We focus our efforts on ensuring we have evaluated each client’s specific financial needs
- We view our role as a partner in managing your wealth
- Pre-agreed risk budgets to provide for investor objectives and risk appetite
- We define risk as permanent loss of capital owing to poor investment decisions. Risk is not temporary losses incurred as a result of short-term market volatility
- We invest with specific investment horizons in mind to manage volatility risk
- Multi-asset class strategy for diversification and risk management
- We believe that diversification, across instruments, asset classes, geographies and currencies, reduces risk and provides access to a wide range of attractive investment opportunities
- We believe asset allocation is the most important investment decision in providing for investor’s objectives
- We base our view on long term returns being in line with historical averages. For this reason we build client portfolios around a long term strategic asset allocation
- A core strategic asset allocation with a tactical management overlay to exploit opportunities and avoid loss
- A medium to long term approach which does not attempt to make market timing calls
- We don’t chase yesterday’s winners, data shows past performance is of no value in selecting superior performers in the future; above average past performance often turns into below average performance in the future
In implementing this investment philosophy:
- We seek to minimise costs and taxes to benefit our clients
- We don’t try to time the market, nor do we chase historical performance
- We seek to manage downside risk and limit the potential for permanent capital loss
- We educate clients on risk ensuring appropriate risk budgets to meet objectives
- We utilise independent investment ratings to guide us on our manager / fund selection
- We invest only in funds / managers with a proven track record of managing money through a full market cycle, trough to trough or peak to peak.