Our Investment Philosophy

When you’re working with a financial planner it’s important to understand their beliefs and philosophy surrounding investing.

We have four fundamental aspects to our investment philosophy – Clear goals, suitable asset allocation and diversification, low costs and long term discipline.

Create clear and appropriate investment goals

• We work with you to discuss your needs and goals through meaningful conversation
• We gather appropriate information through fact finding and research
• We honestly appraise whether your goals are SMART – Specific, Measurable, Achievable, Relevant and Time bound
• We assess your tolerance for risk and volatility

Develop a suitable asset allocation using broadly diversified investments

• We largely utilise investments with at least a 15 year performance history
• We use investment managers with appropriate scale and efficiencies
• We re-balance your portfolio on a regular basis
• We value tax efficiency in your portfolio

Minimise Costs

• We focus on index style investments which are less costly than those which are actively managed
• We believe that higher costs result in lower returns
• We utilise investments which have low turnover of assets, thus reducing the tax and maximising after tax returns
• We partner with investment managers who believe in driving down investment costs

Maintain long term discipline

• We help you review your progress on a regular basis
• We ensure your portfolio is regularly rebalanced in line with your desired asset allocation
• We don’t try to “pick winners”, instead we believe broad market exposure is the safer long term strategy
• We encourage you to stay true to your investment strategy, resisting the urge to make short term changes – “Time in the market” as opposed to “Timing the market”