Our Investment Approach

We pride ourselves on being truly independent advisers, we consider the whole of market when it comes to selecting asset managers for our portfolios.

Our main aim is to construct portfolios that we expect to achieve the appropriate reward for the level of risk you are willing to take. We believe primarily in diversification, both across asset class and geographical locations and then adjusting the asset mix based on the economic environment of the day. We believe this is the best way of delivering consistent risk-adjusted returns for you over the long term.

Asset Allocation

We have a robust guidance framework for asset allocation, including applying various benchmarks and directives from our Investment Committee. Each quarter, or more often if circumstances dictate, the investment committee assesses the key indicators that drive the global economy, focusing on asset prices, likely economic growth and inflation. These views are published in our Economic Outlook. As markets change our portfolios are rebalanced and realigned, putting you in the strongest position.

While we aim to design portfolios that can weather a variety of economic and market environments, we are willing to take a tactical view to alter our asset class exposures when required. Following the herd can be effective for a while, but sometimes a contrarian view is needed to preserve capital.