Our Philosophy

The future is uncertain.

Investment managers cannot make promises about performance or stock market movements. Therefore, basing a portfolio on such an approach is not a smart move.

Our investment advice is based upon the values of: “Diversification, Low Correlation, Reduced Costs and Efficiency”

Diversification
Modern Portfolio Theory demonstrates that the most effective approach to minimising risk is to diversify and hold assets for a medium term. This reduces uncertainty and it enables clients to gain access to sectors of the
market that are appropriate for them, and the risks they are happy to take.

Low Correlation
By building a portfolio of assets that do not move in the same way, you can significantly reduce overall volatility. This improves the potential returns over time.

Reduction in Costs
Research has shown that undertaking a portfolio of index-based assets can reduce costs by up to 75%. A typical index-based fund or Exchange Traded Fund has very low operating costs and no initial charges, whereas some actively-managed investment funds can charge as much as 5% initially plus ongoing operating costs and expenses of more than 2% per annum.

Extensive research is undertaken to ensure that assets are invested on a cost effective basis, appropriate to a client and their objectives.

We enable clients to undertake a passive and/or active approach to their investments, in order for them to experience the best possible returns.

Efficiency
By using our comprehensive risk questionnaire we can construct a portfolio most suited to a client’s capacity for risk and to meet their needs.

The research and program we use holds historic risk and investment data extending back to 1926. This enables us to back-test the chosen portfolio to ensure you understand the risks of owning a specific asset.

Once a portfolio has been established, we can rebalance the holdings back to par when certain tolerances are exceeded. Each portfolio can be regularly analysed to maintain the chosen level of risk and appropriateness, and to ensure the underlying assets are efficient.