The strategic asset allocation (or asset mix) decision is the most important factor in determining investment return and risk over the long-term.

Diversification within and across asset classes is a critical risk management mechanism.

Tactical asset allocation (or market timing) cannot be expected to consistently add value over the long-term.

Equities are best for investors who have a long-term horizon.

Fixed income investments remain an important part of a well-diversified portfolio.

Regular portfolio rebalancing helps maintain an appropriate level of risk exposure.

Where active management is determined not to add value, such as in highly efficient markets, passive management is the default choice.

Costs have a significant impact on long-term results and need to be carefully monitored and controlled to ensure value.

We believe that fees should be transparent.

We believe in regular client audits focusing on fees, performance, and suitability.