Our investment
philosophy
If financial advice is ultimately about growing and protecting your wealth, you need to work with someone whose approach to that task is one you understand and agree with. Here’s ours.
A smarter approach to investing
Nothing feels quite so disheartening as paying high fees for poor investment performance. In our view, there’s a better way.
Our team has more than 30 years’ experience in building successful plans and portfolios for hundreds of happy clients. The key to this is having a clear vision of how to deliver better outcomes, and working with carefully chosen partners whose values align with this.
For the benefit of our valued clients, we work with investment managers who follow a repeatable, evidence-based process, rather than relying on luck, speculation, or timing the market. Our independent status means we’re free to continually review and revise our selection of products and providers, putting your needs first and keeping costs low in the process.
Scientific ideals, proven results
Our investment philosophy is built on research backed by Nobel Prize-winning academics like Eugene Fama and Kenneth French. Their work on market efficiency and factor investing transformed modern portfolio design.
The research of Fama, French, and other titans of the field showed that old-school active management is often a losing game. Instead, structured, disciplined strategies – focusing on dimensions of higher expected returns such as price, profitability, and size – can lead to better outcomes.
The discretionary fund managers and model portfolio providers we work with apply these tried-and-tested principles, with the aim of delivering stable growth for the long term.
The power of cashflow modelling
Have you ever wondered how much money you’ll need to retire comfortably? Or whether you’ll be able to maintain your lifestyle after you’ve sold your business? Or even how you can pass wealth on to loved ones without compromising your own financial security?
Cashflow modelling can provide much-needed clarity on issues like these. Using cutting-edge software, financial advisers like ours can give you a visual representation of your financial future.
Being able to see the effect of scenarios such as the ones above, as well as external factors such as market downturns and tax changes, is truly powerful. With our help, you can use this insight to build a robust financial plan that guides your decision-making and provides invaluable peace of mind.
Our core investment principles
Successful investing isn’t about chasing quick wins. A disciplined approach is paramount if your goal is a financially stable future.
The discretionary fund managers we work with subscribe to the theories of the likes of Harry Markowitz, Eugene Fama, and other past winners of the Nobel prize in Economics.
Expected returns depend on current market prices and expected future cash flows. Investors can use this information to pursue higher expected returns in their portfolios.
The old adage holds true: don’t put all your eggs in one basket. An intelligently diversified portfolio spreads your risk and provides greater opportunity for growth.
You never know which market segments will outperform from year to year. By holding a globally diversified portfolio, investors are well-positioned to seek returns wherever they occur.
Before retirement, average return matters more than sequence. When withdrawing, however, sequence can matter more than average return.
Investors will often swing from elation to fear and back again. It’s important to avoid reactive investing – that is, making rash investment decisions – in times of high emotion.
With our help, you’ll create a plan centred around the actions that will add value to your portfolio and your life.
Kind words from our valued clients
Contact us
Whatever support you need, get in touch with our expert team today, and start a conversation that might just make a meaningful difference to your financial future.