We understand investment management is only part of the overall financial planning process but forms the important bedrock on which your financial goals can be achieved.
To align your financial goals with your investment outcome, our investment philosophy is centred on key investment principles:
The application of our investment philosophy is overseen by our Investment Committee. At each Committee meeting we consider:
whether to leave the portfolios unchanged if there are no material reasons to alter the strategy
if prevailing market conditions make altering the asset allocation appropriate
We also manage a range of Passive Model portfolios.
This could result in the introduction of a new manager or investment company, or to increase or decrease an allocation to an existing manager or investment company.
We would also consider:
introducing new investment funds or strategies, potentially reducing fund costs of existing funds or managers, or to improve investment prospects.
If the asset allocation should be retained but the manager should be altered to reduce costs or improve investment prospects.
We also recognise that fees are a drag on performance and we seek to keep costs down where we can do so without sacrificing long term return.