We reiterate the saying COMPLEXITY SIMPLIFIED in order to remind ourselves and our clients what the goal at hand really is. We are here to help navigate the complexities of wealth management and instill true confidence into those we serve. 

Our Belief

With a low-interest rate environment, investors can no longer turn to cash or near cash investments as a means to build and retain wealth. Over time income tax implications and inflation erode capital. The opposite extreme of aggressive equities is also an approach which we don’t favor. Our average client will generally live through another five to seven economic & market cycles. As trying to time these cycles is a futile exercise, we prefer to prepare rather than react. Our belief as such is that more can be achieved through efficient portfolio construction. By quantifying risk through back-tested portfolio analyses while comparing with past and projected returns, we have been successful in capturing strong returns during periods of market growth and preserving more capital during economic contractions. 

Security Selection

As investors, we must remember that a stock or bond is issued by an underlying business. When selecting securities we ask ourselves a number of questions. Do we feel that this company will be in business and have paying customers regardless of various economic environments? Do we feel that this company has a competitive advantage within its industry & do we feel it is likely to grow its business? Does the company have a strong management team and has it been consistent in growing its earnings? Despite different economic periods, conflicting political views & civil unrest, human beings will always need certain goods and services. By investing in the companies that provide the products and services we just can’t do without, we will benefit from these businesses’ long-term productivity.

How We Feel About Income

In addition to seeking capital appreciation, we see income as another form of profit. Whether our clients need a regular stream of income or prefer not to draw from their portfolio, tax-efficient income based investing forms part of our portfolio construction efforts.

We believe that income-based investing also contributes to our clients’ risk management plan. A regular stream of income reduces overall volatility while also returning the initial capital investment over time.