Put simply, we invest where we think you'll get the best risk adjusted returns, and if we think the returns aren't justified, then we simply won't invest in that asset class.

Because the world is constantly changing and the future is uncertain we consider that a Dynamic Asset Allocation (DAA) approach is the most appropriate way to properly manage investments and risk.

We need to be responsive and flexible enough to cope with rapidly moving markets and to reduce the impact of short-term market volatility.

Academic research has verified that asset allocation decisions are far more important than being active in the selection of specific shares or assets.

We build portfolios that target a 'real rate of return', i.e. after inflation, using a diversified approach to lower probability of capital loss over the medium to long-term. When used appropriately we aim to provide a high probability of meeting the portfolios objectives over the appropriate timeframes.

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