Our Values

Our goal is to be a positive change in the industry and our success is measured by the satisfaction of our clients.

We don’t like conflicts of interests and avoid them, if they occur we disclose them. Simple.

We are an owner managed business and our success and that of our clients is predicated on successful portfolio performance, excellent client service and sound advice.

We are an owner managed business and our success and that of our clients is predicated on successful portfolio performance, excellent client service and sound advice.

Everyone in the company enjoys investing, invests their own money in financial markets and studies and reads the market daily, sometimes obsessively.

We use technology to improve and streamline everything we do and are not inhibited by inefficient or problematic legacy systems.

We disclose risks and fees clearly and ensure clients understand everything necessary to make well-informed decisions.

Studies have shown that 80% – 90% of a portfolio’s returns are driven by the asset class decisions and not the security selections.

Once wealth has been created the only sure way to preserve it is to diversify. Firstly by geography, which implies by currency, and then by asset class. Traditional asset-liability (and future expense) matching makes sense in theory but practically, with personal wealth, nobody knows in which country or currency future generations will spend.

Alpha is very hard to find, and if you find it, it often doesn’t persist. We believe it’s found in niche markets and often in smaller firms with lower AUM. We believe the investment industry is full of people who purport to generate outsized returns but in fact don’t do so, or don’t do so consistently or they take concentrated risk and get lucky, claiming skill.

Hedging a currency exposure for equities is guaranteed to cause increased costs but not guaranteed to benefit in the long term. Over the long-term currencies mean revert. See much more here.

The compound effects of saving fees over extended periods are dramatic and impact future portfolio values meaningfully. See more here.

A discussion about return objectives, constraints and willingness and ability to take investment risk.

Is Equity only appropriate or is a Fixed Income and Equity mix more suitable.

We tactically tilt from the Strategic Asset Allocation based on economic, geopolitical or valuation signals which present opportunities to over and underweight certain sectors or countries.

To implement the Strategic Asset Allocation we select the core ETFs which make up your portfolio with consideration given to your objectives and constraints.

Before implementing a Tactical Tilt we consider if there are appropriate EFTs to express our view bearing in mind numerous factors.

Given the large number of new and dynamic ETFs in the market today, we keep an open mind as to whether or not a non-traditional ETF like a “Smart Beta” ETF is worth using instead of traditional ETFs.

We monitor the position, country, region and asset class weightings continuously. Then using a combination of both Calendar Quarterly and Percentage of Portfolio rebalancing we adjust the portfolio to be in line with acceptable tolerance bands.