Our Investment Approach


We help you to determine your Asset Sector Allocation.

This is the split between :

Defensive, and

Growth assets.

Getting your asset allocation right is crucial to giving yourself the best chance of reaching your financial goals within your preferred tolerance to different levels of asset value volatility.




The graph below shows the impact on your potential capital accumulated at retirement based on investing in different commonly found asset allocation.  That is not to say that investing in “High Growth” is always the best option, as investing in a higher proportion of growth assets, is generally accompanied by a higher level of “volatility” i.e. you may be able to achieve higher returns but your potential for greater losses accompanies these asset classes. See the graph below:


Using our actuarial modelling tool we will determine the optimal asset allocation relevant to your personal circumstances. This will ensure that you have an asset allocation that is based on your goals and risk tolerances and not simply based on pre-mixed investment options that may be available in a superannuation fund.

We then focus on the 5 major asset categories within these allocations

We do not invest in exotic investments for our clients !

– No cryptocurrency
– No forestry investment schemes
– No derivatives or margin lending
– No alternative asset classes such as pure alpha strategies or infrastructure projects.

We believe that these asset classes carry too high a level of risk for your superannuation assets. While the potential returns on these assets classes can be very high, they carry a high level of downside risk which we do not believe is appropriate for your retirement savings. If you do wish to have exposure to these types of assets we can provide you access to such asset classes on your assets held outside of super.

We recommend investing in pooled investment products

Your money is pooled with other investors to invest in the underlying assets:
– Pooling allows a much wider and diversified range of assets to be purchased in each asset class
– This lowers costs and lowers risks
– Pooled investments are also more liquid, meaning you can cash out quicker when you want to
– And the investments are transparent, you know where your money is invested and you know its value every day

The underlying assets in pooled investment products are chosen using one of 2 methods

The final graph below shows the relative performance of Australian fund managers vs the index over a 10 year period.




Past performance is not a guarantee of future performance.
Source: S&P Dow Jones LLC SPIVA Australia Report – June 2018; 10 year performance of Australian Fund Managers compared to comparative indices. https:/us.spindices.com/documents/spiva/spiva-australia-mid-year-2018.pdf