Our investment approach is based on our strong belief that if money is actively managed, long term out performance can be achieved. We therefore take an active approach to investing by allocating money across each asset class and sector based on our extensive research.

There has been much debate around active management (where a manager tries to beat the market) versus passive management (simply following the market), with some arguing that markets cannot be consistently outperformed so a low-cost passive approach should be adopted. There are numerous examples that contradict this argument. While it may be true that on average active managers do not outperform their sector (half will outperform and half will under-perform), that discounts the ability to move between fund managers and ignores the managers who have consistently outperformed over the long term. That said, there are some markets where active managers do struggle to consistently outperform the index (for example U.S. Large Cap Equities). In these circumstances we are happy to track a market through a low-cost index tracker.