We believe in buying 'good assets' at a 'good price'. As such, our philosophy exhibits elements of both growth and value investing. Our starting point in selecting an asset looking at its ability to generate future cash flows, sustainability of returns, how it is managed and downside risk.

We believe that the most important influence on investment returns by a hugely significant margin is asset allocation. Asset allocation is the broad investment decision on how much to invest in each of the different investment types, or asset classes -cash, money market, fixed interest bonds, property and equities.

We are semi-active investors whose focus is mainly on equities, bonds and other assets. Being semi-active entails striking a balance between not just buying and holding assets but selling where we think the fundamentals justifies it while at the same time not trading too frequently being cognizant of high transaction costs in our markets.