​​

You may have built up cash through savings, an inheritance or another lump sum windfall; however, you have no idea what to do next.
 

Should you invest in property, or shares, or another investment?
 

Rather than focusing on the type of investment product first, we instead need to know:
 

• Your investment time frame

• Your attitude towards investment risk

• Your marginal tax rate

• Your surplus cashflow
   

Once we know these aspects, we can build an investment strategy that is aligned to you and your goals. 

​

Our Investment Philosophy:

​

• Index funds provide diversification, low fees and long-term high performance. Therefore, they are often the 'core' in our client portfolios.  However, active funds can play a 'satellite' role:
   

  • To reduce volatility for conservative/lower timeframe investors.
     

  • To provide outperformance when the timeframe is long enough in very specific asset classes (often when clients are prepared to accept greater volatility or an illiquidity premium). 
     

• Many of our recommendations combine a mixture of investing styles.
   

• We consider: CGT, ongoing costs, performance, timeframe, risk profile, ownership structure and account balance size in every decision. 
   

• We do not believe in timing the market. We believe in long term rebalancing & dollar cost averaging.
   

• We only switch investments when there is a compelling reason to do so, that benefits our clients. 
   

• We do not shoehorn our clients into a particular type of portfolio or investment platform. We always consider the individual circumstances of our clients, and then recommend  an investment solution in their best interests. ​​​