Our investment

philosophy

Our investment philosophy is the set of guiding principles that inform and shape our investment decision-making process.  At Whole Wealth our investment committee has completed extensive research into investment markets and what really drives returns. Our investment philosophy is backed by decades of academic research by Nobel Prize winning economists.

We have summarised our findings and the research into an easy to read guide. Please contact us if you would like us to discuss any of these concepts further.

1

Let markets work for you

The market is an effective information-processing machine. Millions of participants buy and sell securities in the world markets every day, and the real-time information they bring helps set prices.

2

Invest don't speculate

Over time, only a small fraction of money managers outperform the market after fees,and it is difficult to identify them in advance.

3

Take long term approach

The financial markets have rewarded long-term investors. People expect a positive return on the capital they supply, and historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.

4

Consider the drivers of return

Academic research has identified these equity and fixed income dimensions, which point to differences in expected returns. These dimensions are pervasive, persistent, and robust and can be pursued in cost-effective portfolios.

5

Practice smart diversification

It's not enough to diversify by security. Deeper diversification involves geographic and asset class diversity. Holding a global portfolio helps to lower concentration in individual securities and increase diversification.

6

Avoid market timing

You never know which market segments will outperform from year to year. By holding a globally diversified portfolio, investors are well positioned to capture returns wherever they occur.

7

Manage your emotions

Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions may lead to making poor investment decisions at the worst times.

8

Look beyond the headlines

Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future while others tempt you to chase the latest investment fad. When tested,
consider the source and maintain a long-term perspective.

9

Keep cost low

Over long time periods, high costs can drag down wealth accumulation in a portfolio. Costs to consider include: Management fees, fund expenses and taxes.

10

Focus on what you can control

A financial advisor can create a plan tailored to your personal financial needs while helping you focus on actions that add value. This can lead to a better investment experience.

 ©2016 WHOLE WEALTH

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