Our focus is to offer investment solutions that help clients achieve their current life goals and secure their financial freedom in the future. What sets us apart is our Investment Philosophy, which is based on three key principles:
Dynamic Asset Allocation
We place great importance on asset allocation as the primary factor in constructing and maintaining investment portfolios, as it has a larger impact on portfolio returns than individual investments. Asset allocation involves dividing investments between different asset classes, including equities (domestic and international), property, fixed interest, cash, and alternatives such as commodities and derivatives.
The right asset allocation is dependent on the personal circumstances of each investor, with most portfolios comprising a mix of growth and defensive assets. We determine the appropriate asset allocation for our clients based on their Risk Profile.
We believe that having the right asset allocation can add value for investors by being invested in the right asset classes at the right time, such as having a greater allocation to equities during rising markets and exiting overvalued markets. We rely on external research from Lonsec and Morningstar to help us make informed asset allocation decisions.
While our view of different asset classes may remain stable for long periods, there may be times, such as during the global pandemic in 2020, when we see significant opportunities or risks and recommend more frequent and significant changes to our clients’ asset allocation. Therefore, we prefer a dynamic approach in managing asset allocation to capture these opportunities and manage risks effectively.
We prioritise a precise approach to risk management, which we believe is essential to achieve successful investment outcomes. To achieve this, we rely on external experts such as Lonsec and Morningstar, who provide us with valuable insights on managing the portfolios of our investors. These firms are renowned for their research on ASX-listed stocks and Exchange Traded Funds (ETFs), with a wide range of coverage and continuously updated research. Additionally, we also focus on Environmental, Social, and Corporate Governance (ESG) risk, which we believe is critical to managing investment risk. We take this aspect very seriously and ensure that our investments meet the ESG requirements agreed upon.