We believe that the key to a successful investment experience is a ‘disciplined process’. This involves properly defining your appetite for risk, explaining the range of likely investment outcomes for the risk you are prepared to take on and then employing sensible diversification and risk management, at a reasonable cost. Our approach to investment is built on academic research, not highly marketed retail fund picks, fashionable investment fads or the amount of commission payable.

We base all of our portfolio recommendations on multi-class investing, and rebalancing which exploits’ the results of academic research over 30 years. The result is a portfolio that aims for a solid long-term rate of return whilst minimising investment management and trading expenses and taxes.

Our goal is not to beat the performance of the underlying assets we choose to invest in, since in trying to do this, unnecessary additional risk is taken on. We aim to achieve a healthy rate of return that allows our clients to achieve their financial objectives without exposing them to unnecessary risk. By using investment management strategies that have been extensively researched and refined to work in both good times and bad, our clients can relax, knowing their portfolio has been specifically designed to withstand the day-to-day and year-to-year fluctuations in the market.

An important part of the disciplined process is the need for regular, structured reviews to rebalance portfolios as they naturally drift away from the agreed asset allocation.