Investing money demands care and consistency. Our investment philosophy consists of six golden rules based on global best practice which we apply to every client portfolio.
1. Have a Plan and a Process
A stable decision-making process through boom and bust eliminates impulsive decisions.
2. Minimise Costs and Taxes
Efficient tax planning and core passive fund holdings will help you avoid unnecessary costs.
3. Don’t Speculate
Research shows that trying to pick winning stocks or timing the market is doomed to failure. We avoid individual stock speculation and recommend a core holding of passive index funds.
4. Tailor Risk to your Circumstances
Obvious but often ignored or misunderstood.
Diversification can lower portfolio risk and safeguard your investments against unpredictable economic cycles.
6. Stay Invested
Minimise trading costs and avoid rash decisions by planning your future liquidity needs so that you stay invested longer.