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“Market timing and security selection are obviously important. The problem is that nobody achieves long-term success in the former, and almost nobody in the latter. Asset allocation is the only factor affecting your investments you can actually influence.”  William Bernstein

We pride ourselves on being careful and conservative wealth managers with a focus on building client wealth through a diligent and sound investment approach supported by a robust research process.

Asset Allocation

Strategic Asset Allocation
Strategic asset allocation is based on widely practiced modern portfolio theory. We believe that the construction of an efficient strategic asset allocation is a fundamental starting point for a client’s portfolio. The asset allocation involves estimating the expected risk and return of various assets together with the correlation of these assets and the constructing a portfolio that achieves a level of return with the lowest level of portfolio risk.

Tactical Asset Allocation
Tactical asset allocation is a form of active management with the aim of adding value through adjustments to the portfolio benchmark asset allocation exposures. We consider your asset allocation during the ongoing review and recommend changes based on our current market views of the relative risk/return tradeoffs between assets


There is risk inherent in all investments and it is not possible to eliminate all investment risk. A key strategy to manage this risk is through diversification. Diversification involves the spreading of financial risk across several different investments to reduce the probability of large losses in a portfolio.

Diversification can be achieved in a number of ways. Some examples include:

•           Holding different asset classes in your portfolio.
•           Having a number of different investments within each asset class.
•           Investing in local and overseas companies.