Foundations
Asset Allocation
We will recommend an overall asset allocation which proposes a split between growth and defensive assets and suggested exposures to shares, property, fixed interest and cash.
We will also undertake, pursuant to our Portfolio Construction Guidelines, the process of portfolio construction for you which involves consideration of the best way to get exposure to each asset class. This will in turn involve decisions on the allocation between:
- Wholesale and retail investing
- Active and passive/index investing
- Value and growth investing
- Brand and boutique investing
- Listed and managed investing
- Hedged and unhedged investing
- Small company and large company investing
- Relative return and absolute return investing
Within each asset class our preferred way of investing is likely to include:
- International Shares
- Wholesale managers
- Index and active
- Region and sector-specific fund managers
- Bias towards value and small cap styles
- Active hedging
Australian Shares
- Top 200 companies held directly
- Exchange traded funds or listed investment companies
- Wholesale active fund managers in mid, small and micro caps
- Wholesale active absolute return fund managers
Property
- Large cap listed held directly
- Exchange traded funds
- Wholesale active and index managers
- Domestic and global property
International Fixed Interest
- Wholesale managers
- Index managers
- Fully hedged managers
- Credit and high yield managers
Australian Fixed Interest
- Direct hybrids and income securities
- Wholesale managers
- Inflation linked bond managers
Cash and Near-Cash
- No fee, high interest cash trading account
- High interest term deposits
- Mortgage funds
Alternatives
- Hedge/absolute return funds
- Private equity
- Emerging markets
Investment Selection
Investment selections are rigorously researched by a full-time three person in-house research team before they are considered for authorisation by our in-house independent Investment Committee.
Our investment selection process:
- Reviews the available pool of >10,000 managed funds and >1,700 ASX shares
- Researched by full-time in-house research team
- Uses specialist external research as required
- Investments are authorised by in-house Investment Committee
- Ensures over 200 authorised investments are available to our clients