Investment Principles

Independent, Fee Based Advisers
We provide a ‘fee only’ service for our wealth client’s, as we believe that commission and brokerage can inappropriately influence advice and compromise the client/adviser relationship. As a fee only adviser, this bias is removed and ensures impartiality and independence.

Investing vs Speculating
Many investment managers strive to beat the market by attempting to predict the future. Too often, this proves costly and futile. Predictions can go awry and investors miss the strong returns that markets provide.

When investors reject costly speculation and guesswork, investing becomes a matter of identifying the risks that bear compensation and choosing how much of these risks to take.

Our Principles
We believe that to invest successfully requires a properly constructed, logical and rigorous investment philosophy. These beliefs are supported by an overwhelming body of academic evidence and govern how we construct portfolios to meet our client’s goals and objectives now and into the future.

Our philosophy is based on Modern Portfolio Theory, which shows that asset allocation determines more than 90% of returns in a portfolio’s performance.

Our investment principles are based on the following:

• Markets work
• Risk and return are related
• Diversification is imperative
• Portfolio structure determines performance

Our investment philosophy is primarily delivered through low cost, well-diversified and structured strategies that target specific asset classes.