Our Approach

Our investment approach

Markets are inefficient

Financial markets are influenced by human behaviour, leading to periods of inefficiency that, in turn, create opportunities for astute investors.

Systematic, long-term strategies are effective

Systematic investment strategies, applied patiently, with the long term in mind, are effective in producing attractive returns.

Diversification reduces risk

Spreading investments across a variety of asset classes, investment styles, financial markets and industries can reduce overall risk and yield more consistent returns.

We’re contrarian and value focused

We carefully consider the valuation of potential investments and challenge popular opinion when making investment decisions.

Our financial advice approach

Rational decision-making

Acting rationally when making a series of investment decisions over time is one of the key factors that separate successful investors from the rest. By incorporating our wealth of experience and a diversity of professional views, we can guide you to make excellent decisions. This is the most underestimated value-added service that we provide.

Managing risk

We follow a proven process to determine the appropriate asset allocation that aligns with your needs and goals, balancing short-term volatility against long-term inflation risk. Your mix of low- and high-risk investments is amongst the most critical factors in achieving strong long-term investment performance.

Selecting skilled investment managers

We select local and offshore investment managers based on the quality and stability of their investment teams, the rigour of their investment process, and their corporate governance, fees and long-term track record. To minimise risk, we combine managers with complementary investment styles.

Leveraging offshore exposure

Offshore exposure protects investors against a weakening rand while providing access to investment themes and economic dynamics not available in the South African market. We can assist you in selecting offshore investment products and managers from a wide range of available options.

Tax optimisation

We will carefully consider the use of products such as endowments, retirement annuities, preservation funds, tax-free savings avvounts, trusts, etc. to optimise your tax.

Designing your road map

The culmination of our service to you is the creation of a financial road map that incorporates all the above elements and is specifically tailored to your needs. We ensure consistent value-add by measuring progress against this road map and adjusting it over time to incorporate changes in your personal circumstances and the financial markets.