We believe in a methodical and uniform approach to investment.

 

• Investing only for the medium to long term: We recommend that clients hold funds required for short term objectives in cash or cash-like accounts.
• Prioritising asset allocation that matches your tolerance for investment risk: Since we understand that asset allocation is responsible for the vast majority of out-performance in any fund or portfolio.
• Diversification: By spreading an investment across a number of asset classes (eg. cash or cash-like, fixed interest, property, equities) as well as across a number of geographic regions, volatility of the portfolio is reduced and, in general, returns enhanced.
• Rebalancing investments: This provides a smoothing of returns and reduces volatility of the portfolio as a whole. It also provides a control over the exposure to risk of a portfolio.
• Reducing the cost of investment as far as possible: Since cost reduces the return available to the client.

 

We do not believe in:

• Effective market timing: We do not believe that it is possible to accurately predict the best time to invest or disinvest. The level of risk associated with market timing does not warrant the potential rewards, therefore, we do not attempt to time the capital markets.