Our investment policy is guided by the following principles:

• Markets Work – research based on Efficient Market Hypothesis
• Risk & Return are Related – Investment strategies guided by empirical evidence
• Diversification is Essential – Our portfolios are structured to provide comprehensive asset class allocation and international exposure
• Structure Determines Performance – Asset Allocation explains most of the variation in portfolio returns.

We are Investment Counsellors we help our clients to make decisions based on the above and not behaviour that can be wealth destructive.