Our Investment Philosophy

Invest In Planning Before Planning To Invest

Know the annual investment return you require to meet your goals in life. Without this prior knowledge, you may carry too much or too little risk relative to your needs.

Risk And Reward Are Directly Linked

An investment with a higher level of risk would be expected to deliver a higher level of return than a lower risk alternative over time.

Diversification Is Crucial

The practice of spreading money across different investments to reduce risk is known as diversification. Done correctly, you may be able to limit losses and reduce the fluctuations of investment returns without sacrificing too much of the potential upside.

Asset Allocation

Your portfolio should combine several different asset classes to significantly increase the probability of achieving your required return for a given level of risk. Asset allocation is the single biggest determinant of the long-term performance of an investment portfolio.

‘Timing The Market’ Doesn’t Work

We believe it’s ‘time in the market’ rather than ‘timing the market’ that’s important. You need to be ‘right twice’ to play market timing. This is one of the most dangerous things to attempt to do and very few get this right.

‘Stock Picking’ Is A Costly Failure

Academic studies and history reveals that a low-cost, ‘passive’ investment strategy outperforms the vast majority of ‘active’ investors trying to ‘beat the market’ over the medium and long-term. As a result, we believe a low cost approach should be at the core of any investment portfolio.

Rebalance And Review

Some of your investments will grow faster than others and become out of alignment with your investment goals. By rebalancing and reviewing regularly, you’ll ensure that your portfolio does not favour one or more asset categories, and will remain within comfortable levels of risk.