Wealth Management

As we develop an investment strategy, understanding what our clients would expect from an investment would always come down to consistency for the most part. But what we know as true of all investors is the comfort of not losing is much greater than the joy of winning. With partnerships with global fund managers we are able to mitigate our clients’ long-term risk.

In developing an investment strategy, we want to ensure that we have the best ability to perform over time consistently. Knowing full well that investment markets operate irrationally and sometimes in contradiction to our best efforts and intentions, we believe we have developed a more than suitable mix of investment ideas and allocations using a mix of Strategic, Tactical and Dynamic Asset Allocation. The best time to hold a good asset is for as long as possible. Strategically, within our allocation, we hold a blend of global indexes that provides us a diverse access to the world’s largest economies and their companies. Where these companies can perform and grow over time within the index, we also have exposure to new companies that grow to form part of these indices. This forms an unselective strategic index approach – instead of picking who will win and who will lose, the positive sum of all will be greater over the long term.

Applying a “rules-based” investment philosophy allows us to think tactically and consider only those companies that exhibit features or qualities when allocating these to our portfolio. For example, a company that has a solid history of probability and can be difficult to compete against are factors that present us with a value proposition as these are more likely to continue to perform during market volatility. Where we must be particularly diligent is to acknowledge that our investment decisions may not always be as accurate as we intend. To manage this, we have partnered with one of the world’s leading research firms who deploy a Dynamically managed investment approach, which simply means to invest according to the appropriate economic environment and in the appropriate economic global zone and deliver a consistent long-term CPI (Inflation) plus return. Our aim is to provide a holistic approach to your investment strategy to meet your financial goals.

The following key beliefs drive our investment philosophy and process when managing client portfolios:

  • Markets are inefficient over the short to medium term
  • Mean reversion drives capital markets over the long-term
  • Reward for risk from investing varies through time
  • Potential capital loss is the most appropriate measure of investment risk
  • Valuation strongly influences the reward for risk and potential capital losses
  • Investor behaviour and sentiment can drive asset prices to extremes
  • Consistent returns with focus on capital preservation

We aim to deliver consistent returns using a medium-term approach with a focus on real capital preservation. This means we will adjust our risk depending on the opportunity set. Our approach will lead to large deviations to our competitors at times and this will mean performance will also deviate significantly. While we are not confident in our ability to predict when the markets will price assets on the basis of their valuations and underlying fundamentals, we believe that using a patient and disciplined approach provides superior long-term real returns.


Superannuation is money put aside by your employer over your working life for you to live on when you retire from work.

Super is important for you, because the more you save, the more money you will have for your retirement.

You can only withdraw your super money in certain circumstances – for example, when you retire or turn 65 years old.

How does it work?

If you work for a company or organisation, generally your employer must pay money into a super account in your name, which is then managed by a super fund. Currently your employer must contribute 9.5% of your income, including bonuses, commissions and loadings. This is called the super guarantee and it's the law.

You can also add extra money to your super account, so you’ll have even more to live off when you retire.

If you’re self-employed you can choose how much of your income you set aside for superannuation.

Over the course of your working life, the contributions made and invested by your super fund add up with the aim of growing them even further.

To help ensure your superannuation savings are there for you in retirement, the government places restrictions on when and how you can access your super.


An Investment Account refers to a type of financial account that contains a deposit of funds and/or securities that is held at a financial institution. The typical objectives of an Investment Account are to achieve long term growth, income or capital preservation from the deposited asset portfolio.

Investment Account might be used by an individual to set assets like stocks and bonds aside to provide them with income during their retirement that will supplement whatever pension(s) they might receive and provide them with a higher standard of living. An Investment Account might also be useful to a parent wishing to save money for their child’s education, or to a newlywed couple wanting to put together a down payment for a house. In general, the purpose of opening and operating most Investment Accounts is usually based upon longer term financial planning goals.

As specialists in investment strategies, we will tailor a solution that meets your specific needs. Only when you understand, and are happy with, how that strategy will move you towards your goals do we suggest a specific product or platform that will be the right tool for the job.

How does an investment account work?

You deposit funds in a brokerage account just as you would put money in a bank account. The account balance can then be used to fund the purchase of stocks, bonds, mutual funds, and ETFs, as well as a host of other asset classes.


SMSF’s are magnificent investment vehicles that help many Australian families significantly grow their wealth.

They can also be a real threat to the Trustees in the event of a breach of the SIS Act. The ATO Fines are substantial. As a result, to give peace of mind to our clients, we outsource the accounting, audit and compliance work to a trusted accountant. As they use unique IT system, which adds no cost to the SMSF from what is already paid in normal yearly accounting fees but adds valuable safety by updating the funds’ taxation and contribution position on a monthly basis.

This means that Trustees can have peace of mind knowing that:

  • The taxation and audit are updated monthly.
  • The system will not allow a payment to proceed if it believes it could put the fund in a breach position.
  • It ensures that you do not exceed your concessional and non-concessional contribution limits.
  • Trustees are certain that all tax returns are lodged on time thus avoiding any penalties.
  • That all investments fall within the SMSF’s compulsory investment and insurance strategies.

That all pension payments are made in accordance with the rules and regulations.

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