Our Investment Philosophy

A disciplined practice of true diversification

We believe in following a broadly diversified, passive driven investment approach. This way we can provide our clients with a prudent, long-term investment portfolio. This academically grounded approach takes the guess work out of investing. Instead by adopting a ‘buy and hold’ strategy and the discipline to ride the ups and downs of the market, the long term outcome is much improved.

We put our investment philosophy into practice by using 5 investment principles:

• 1.  Don’t try to predict the future – Successful investing does not require the ability to predict the future. Investment managers can’t predict the future – we don’t believe in crystal balls.
• 2.  Maintain investment discipline – Our approach ensures that we provide you with the investment discipline required to realise your investment goals – this is not a short term game.
• 3.  Diversify and keep costs low – All of our investment portfolios invest in a diversified array of asset classes, in a range of low cost passive (index tracking) funds, saving you money and maximising your returns.
• 4.  Investing is a means to an end – Our investment advice is always aligned to your individual financial planning requirements and long-term goals. That’s why we start by understanding what’s truly important to you.
• 5.  Risk and return are related – We will discuss the potential downside to investing as well as the expected investment returns when establishing your investment risk tolerance. There is never an increased return without a corresponding increase in risk – the bottom line is that risk is required to achieve a return.