Direct Investing through a Conservative Approach

• Direct investing enables clients to know how their money is invested and to avoid hidden fees and commissions and high turnover of stocks.
• Our conservative approach involves investing with a margin for safety. We recommend well diversified portfolios, avoiding undue risks and unforseen liabilities and careful selection of securities.
• Our conservative approach has enabled our clients to avoid excesses, to weather the Global Financial Crisis and to benefit from the upturn.

Disciplined Investing

• Disciplined investing is based on an allocation of assets that reflects investment goals, available resources and an appropriate trade-off between rewards and risk.
• Disciplined investing means investing for the long term in well managed companies and trusts, exercising patience and allowing time to work for the investor.
• Disciplined investing means that portfolios are re-balanced regularly; clients take profits from out-performing sectors and avoid unintended increases in risk.

What we Avoid

• We do not accept any commissions that could, in any way, influence our advice.
• We are not tied to financial product providers nor do we accept inducements from them.
• We do not recommend margin loans because of the risk to investors in downturns.
• We do not support speculative investment strategies, churning of portfolios or speculative share trading.

Why Advice is Important

• The Global Financial Crisis showed that investing is much riskier than many thought.
• Risk can be reduced through disciplined investing with a long term strategy.
• Opportunities can be taken with greater confidence when advice is on-hand.
• An experienced adviser helps avoid costly mistakes.