“Helping you become a confident investor.”
It is possible. Let me show you how.
In 4 simple steps….
Philosophy & Process
Investment Philosophy
The principles that guide my advice.
1. Managing risk comes first.
- Investing means dealing with an uncertain future.
- Risk is part of investing, but it can be understood and managed.
- A temporary decline in value is not the same as permanently losing money.
- The return should justify the risk taken to achieve it.
2. Aim to beat inflation
- Inflation reduces what your money can buy over time.
- Over the long term, aim for a return of 3% to 5% above inflation.
3. Invest for the long term. Be patient.
- Time is the most important gift you can give your investment.
- Think in years, not months – 5, 10, 20 years and longer.
- Compounding needs time. Returns build on returns.
4. Don’t put all your eggs in one basket
- Spread your investments across different assets such as shares, property, bonds and cash.
- Invest locally and offshore.
- Invest with fund managers who approach investing differently.
5. Don’t let emotions drive your decisions
- Recognise when fear or greed influence your thinking.
- Resist the temptation to act.
6. Buy low. Sell high.
- Stock markets reflect human emotions and psychology. Mainly greed and fear.
- In the short term these behaviours cause a difference between share prices and values.
Which present opportunities. - I favour fund managers who focus their research and skills on determining the value of businesses.
Buy shares of these businesses at a discount to there value. - Wait until the share prices reach the business value. And sell at a profit.
My process
How I help you put these principles to work.
Reading about “seasoned” investment managers helps a lot!
Your story and needs
- I start by understanding what matters to you.
- What’s your money for?
Risk
- I consider how much investment risk you can live with.
- I use the FinaMetrica comfort zone calculator.
- It shows me the appropriate range of growth assets for you.
- You should be able to sleep at night and remain invested when markets decline.
Selecting & Combining Funds
Every fund manager must earn a place in your portfolio.
Selecting & Combining Funds
Every fund manager must earn a place in your portfolio.
1. Research the Funds
The aim is not simply to find funds that have performed well.
I use a deliberate process to answer two questions:
- Who deserves your capital?
- Can I trust this manager with your capital for the long term?
2. Build the Portfolio
- Sometimes one fund is enough.
- When I combine funds, each one must add something worthwhile.
3. Confirm the Fit
- I check that the fund or portfolio fits the level of investment risk you can live with.
Tying it all together
- I give you my investment advice.
- You make an informed decision.
- I help you put your decision into action.
My purpose
- To help you understand the investment decisions you make.
- So you can stay invested for the right reasons.