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Investment Process

Investment Process

We start by defining risk as realised loss, rather than volatility. We then reflect on this against a client’s individual circumstances, their own objectives, timeframe and capacity for loss. This helps us define an investment mandate and with that, portfolio makeup.

Portfolios consist of two components, an equity and non-equity element. Equity, we believe, offers the highest volatility but with that the greatest potential return over the longer term. Non-equity are investments that carry a lower degree of volatility, but with it, usually lower rates of return than equities. Depending on a client’s personal circumstances, a portfolio mix of equity and non-equity is achieved. The longer ones timeframe and higher their capacity for loss, the greater their allocation to equities in a bid to deliver higher long term returns. Equally, the lower ones tolerance for risk and shorter timeframe to invest, the higher the allocation to non-equity, thereby reducing the risk of realised loss.

Both elements of the portfolio work in harmony, so that they are not pulling against one another, rather act as a blend to reduce overall portfolio volatility.

Traditionally clients might be pigeonholed into an investment mandates such as Growth, Balanced or Cautious, rather we prefer to adopt more of a slide rule approach, not wishing to be so defined, instead fluidly moving ones portfolio that matches both their changing circumstances and the macro environment. This continuous tuning of the portfolio ensures that it remains positioned to best meet your objectives and maximise performance as we travel through the economic cycles. The fact that our client engagement is continuous and the relationships that we forge run deeper than just the investments we manage, means the tweaking of portfolios is subtle rather than making dramatic changes at particular life events or after overdue reviews.

Investment Principles

Be a sponge for information

Be active with conviction
Understand your risk

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Be a sponge for information

The investment universe is always evolving, everyday new data points are added and absorbed by the market, for this reason participants must be prepared to be on an upward sloping learning curve. As a result we immerse ourselves in information to keep our own investment thesis sharp and relevant.

We pride ourselves on the knowledge we hold and the fact that we are always updating our library of information. The enjoyment we carry to be involved in financial markets ensures this is not a chore, rather we are excited to take on as much new information as possible, boiling it down to formulate our own investment opinion.

Be active with conviction

Stand out from the crowd. We target top tier investment results that can’t be achieved by following the pack, rather we have conviction in our investment calls with the aim of delivering outsized returns. We work hard, and are active, over managing exposure and risk in order to achieve our results.

Understand your risk

Don’t think about what might go right as much as consider what could go wrong. Understanding where your risks lie is one of the most important steps in analysing an investment, it allows you to better weigh up risk and reward, but also ensures you have a playbook in the event of a risk materialising.

We appreciate not all risks can be considered, the market will always harbour black swan events that seem to come from nowhere, nevertheless it is our approach to challenge our investments and thesis as rigorously as possible.