| Our Allocation model
Using our asset allocation model to determine the most appropriate risk of assets for your chosen risk profile, we then couple this with what we believe is the very best available fund research, with the aim of ensuring that the funds allocated to each component of your selected portfolio are of the highest quality.
In doing so we aim to provide you with the best recipe (asset mix) for your individual needs, put together with the finest ingredients (quality fund selection). Asset Allocation
Asset allocation involves dividing an investment portfolio among different asset categories, such as shares, fixed interest, commercial property and cash. The process of determining which mix of assets to hold in your portfolio is vital in order to gain the optimum return for the level of risk you are willing to accept. The asset allocation that works best for you at any given point in your life will depend largely on the length of time you wish to invest and your ability to tolerate risk. Investment Term Your investment term is the expected number of months, years, or decades you will be investing to achieve a particular financial goal. An investor with a longer term may feel more comfortable taking on a riskier, or more volatile, investment because he or she can wait out slow economic cycles and the inevitable ups and downs of our markets. | | Fund Selection
The integrity and independence of our research is of paramount important to us. Our research philosophy and approach is not only robust and diligent but is also developing over time in order that it remains current and relevant in the ever changing investment world.
By scrutinising detailed and thorough qualitative research, informed by quantitative analysis, we look to identify the funds that are capable of fulfilling their objectives and producing superior performance.
We achieve this by harnessing the research conducted by independent research agencies such as OBSR, Financial Express, S&P and Citywire and distilling this research in order to select our "best of breed" funds.
We continue to regularly review our asset allocation model and fund research in order to ensure they continue to remain current and meet our rigorous selection process. Risk Tolerance Risk tolerance is your ability and willingness to lose some or all of your original investment in exchange for greater potential returns. An aggressive investor, or one with a high-risk tolerance, is more likely to risk losing money in order to get better results. A cautious investor, or one with a low-risk tolerance, tends to favour investments that will preserve his or her original investment. |
