Once we have agreed your goals and risk profile, we tailor make an investment portfolio to meet your needs. Guided by a strong belief in efficient markets and academic research, we combine the right assets to help you build your wealth over the long term through well-diversified portfolios delivered in a cost effective manner. Our goal is to help you become a disciplined investor who understands and is comfortable with the investment process.
Eloquent evidence
Diversification reduces risk. A lot of academic work has gone into showing that diversifying your investments is essential to protect against any shocks in any one market or geographical area. Even without the research data demonstrating the truth of this, intuitively it makes sense. Political upheavals are likely to be localised, as are natural disasters, and one economy could be doing well whilst another languishes. Being invested across the globe means that a downturn in one geography can be offset by good performance in another.
It is also the case with asset classes. Bonds and equities have often been negatively correlated, meaning that when equities have underperformed, bonds have been a cushion to absorb some of the equity weakness. Infrastructure investments, where growth frequently comes from increases in public sector spending, can take up the slack when economic growth in the private sector is weak.
At the company level, a company in a booming business area may still not provide good returns for investors if management is poor. It makes sense to own lots of companies across multiple business sectors to raise the likelihood of making good returns and reduce risk. It is impossible to predict what will happen in markets. A well-diversified investment portfolio means you don’t have to.
Education
The power of compounding—in health and wealth
Compounding is one of the most powerful forces in the world. Just ask Albert Einstein, who’s said to have called it the “eighth wonder.” The seemingly small decisions we make…
What happens if you miss the market’s best days?
The impact of being out of the market for just a short period of time can be profound, as shown by this hypothetical investment in the stocks that make up…
Market behaviour and the weather
Investors can focus on the daily rain clouds and sunshine the markets bring. Or they can think about the long term.
Tuning out the noise
When you are being bombarded with market information on a daily basis it's hard to hold the line. See the difference an investment professional can make to assist you see beyond the noise
Insights
From human capital to investment capital: the financial journey of life
As we navigate through life, our approach to our finances evolve significantly. In the early years, we rely on human capital—our skills and labour—to earn a living. Over time, this…
The value of advice
In an age of robo-advice and AI, it can be tempting to think managing your finances is something you can manage yourself without an adviser. But as in any area…
The American election – should we be worried?
When it comes to considering how the markets will react to the result of the upcoming American election, it’s worth stepping back from the daily media noise to look over…
What is your financial legacy?
A financial legacy is more than just the money you leave behind; it is the lasting impact of your financial decisions on future generations and society. Deciding on your financial…
How we go beyond quarter-to-quarter returns, to meeting your goals and growing your wealth over the long term.
Why we’re the investment consultant you can trust to act in your best interests.