We utilise a top-down approach when constructing a portfolio. This means that we first determine what the best asset allocation
will be for your particular investment, taking into account your risk capacity (the amount of risk you need to take in order to
realise your investment goals) and your risk tolerance (the amount of risk you are willing to take to achieve your desired returns).
The four basic asset classes are shares, bonds, cash (money market) and property.
Once we have determined your optimal asset allocation, we then perform a security analysis. This involves selecting which shares,
bonds, money market and property should be included in your investment portfolio.
The next step is to decide which product or investment vehicle best suits your needs. These include:
Capital Guaranteed Products Retirement Annuities Exchange Traded Funds (ETFs)
Unit Trusts Retirement Income Plans Personalised Share Portfolios
Endowments Preservation Funds Offshore Investment Portfolios
The last step is regular monitoring and reporting. The reporting periods will be decided by you, the client, and will vary depending
on the investment strategy chosen. This is a very important step as your needs and circumstances will change over time, and it is
important that your investment portfolio reflects this.