our Philosophy

Sound investment principles

We base our approach on proven investment and academic research: diversification, the importance of asset allocation and matching an investors risk and return requirements.

Robust risk management

No-one likes surprises, especially when it comes to investment, we therefore adopt what we believe is one of the most rigourous assessments of underlying assets both before and during their inclusion in our portfolios.

Active cost management

It is simple really - costs reduce returns. So we reduce costs to maximise returns. But we don’t sacrifice quality or security. And we don’t use active fund managers – because in aggregate they cost more than the returns they deliver.

High quality, safe processes

We use modern technology to reduce costs, but we also have important safeguards and external oversight of our activities.

Fairness

We invest our own money in the same way that our investors do. We keep costs low so returns are improved. We explain the risks and returns of each of our products. And we keep things as simple and clear as possible.