Our investment philosophy is backed up by rigorous, academic research. We believe financial markets are largely efficient. Trying to pick the next winning stock or fund, along with trying to time the market is impossible over the medium and long term.

We believe in broad asset class investing, as asset allocation is the single biggest determinant of the returns of a portfolio.

We will then look to invest in inexpensive index funds, aligned to your risk profile and diversified by asset class and geographies.

“Most institutional and individual investors will find the best way to own common stock is through an index fund that charges minimal fees. Those following this path are sure to beat the net results [after fees and expenses] delivered by the great majority of investment professionals.” – Warren Buffet, 1996 Shareholder Letter

“There is something in people; you might even call it a little bit of a gambling instinct… I tell people investing should be dull. It shouldn’t be exciting. Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas” – Paul Samuelson, Ph.D., Nobel Laureate in Economics, 1970 (1999) ‘The Ultimate Guide to Indexing,’

*The value of your investments can go down as well as up, so you could get back less than you invested.