Investment Philosophy

1 2 3 4 5 6 INDEPENDENT FINANCIAL ADVISERS 4 ASSET ALLOCATION 5 FUND & SECURITY SELECTION 6 PERFORMANCE MONITORING & STRATEGY REVIEW 1 INVESTMENT OBJECTIVES REVIEW 2 OBJECTIVES SETTING 3 INVESTMENT STRATEGY FORMULATION CLIENT PORTFOLIO STRATEGIC versus TACTICAL As the Geo-political environment is always changing, to assist us in the process of asset allocation we employ modern generic efficient frontier methodology provided by eValue FE calibration of Towers Watson’s Global CAP:Link™. By doing so we tap into eValue’s market knowledge, practical investment skills and constant dedication. eValue uses both strategic and tactical approaches and we feel this flexibility offers the most successful portfolios for our clients. The option to rebalance the allocation is presented to our clients at least once in any 12-month period. For clients looking for a more active approach and when such an approach is suitable, we offer an external Discretionary Fund Management Service (DFM), which has asset allocation as its underlying principle. We believe that asset allocation primarily determines the results of a broadly diversified portfolio, and we concentrate on doing everything we can to get this right for every client. TACTICAL ASSET ALLOCATION Tactical asset allocation attempts to increase returns by overweighting asset classes or sub asset classes that are expected to outperform on a relative basis, and underweight those expected to underperform. It goes through and analyses financial and economic ‘signals’ to predict performance and assign relative short-term asset class weightings. Tactical asset allocation is an active management portfolio strategy that rebalances the percentage of assets held in various classes and sub-classes to take advantage of short and intermediate term market inefficiencies. It has the goal of raising investment performance above the market average. This is in contrast to a strategic approach where the adviser will stick to the client’s initial invest- ment allocation in the long-term, ignoring short-term fluctuations in price, until their financial goals or circumstances change.

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