Our philosophy is to help clients reach their goals and then to maintain their income requirements throughout retirement without diminishing their wealth prematurely.
We believe there are two essential ingredients of a good investment strategy. One essential ingredient that our long-term clients will recognise is our emphasis on peace of mind. The second ingredient is consistency. Even though the markets may go up and down, and the economy goes through different cycles, and the investment industry comes up with hot fads, our core beliefs remain the same.
We don’t jump around or chase the latest get-rich-quick opportunities. Rather we create investment portfolios that are tailored to your needs and objectives. We do this through:
Diversity is the key to reduce the volatility of your portfolio. We do this by apportioning your money into the main asset classes. Those assets that rate best or worst will vary year to year. So, in the long run it is better to hold a wide mix, to stay disciplined and to capture your gains (by rebalancing) when they occur.
The actual mix of your investment portfolio depends very closely on your tolerance for risk. We call this the “Defensive vs Risky” split. Some people cannot sleep at night even knowing their money is in a bank vault. Others can’t sleep at night unless their money is piling up high, but much riskier, returns. So, the split depends very much on you.
How much you have in each sector depends on more than your comfort level. It also depends on
There is no one “correct mix” – the portfolio is tailored, as best we can, to your specific circumstances.
Having never accepted commissions, we are free to consider a wide range of investments backed by research:
Our philosophy shies away from highly active buying and selling within volatile markets. Market timing is highly speculative. However, we do closely monitor general performance and will tweak the portfolio from time to time to realign it. We are also mindful that management fees and broker commissions can erode portfolio value, and our overall strategy looks for ways to lessen these costs.
By using our Investment Management Service, you benefit from our ongoing advice that helps you keep on track to meet your needs and objectives through good times and bad. Our management fee even with the advice will be less than many other major providers.