​The plan allocates funds across investment products with different levels of risk, according to the investors short-term cash needs (we consider short-term to be less than 10 years). This means when you need cash within the next 10 years for things like travel, renovations, or a house, you cannot afford to have 50% of your value wiped out just before you need it and shares can do this to investors, permanently destroying wealth if they are sold. Recent examples of shares losing value very quickly include, Trump’s tariff war, COVID, and the global financial crisis (GFC). On the other hand, when you lend your money (to banks, large companies, and governments), you are far less likely to lose capital and if you lend to the government, it is as close to risk free as we get. Therefore, we recommend investing funds for your expected capital/cash needs that are unlikely to be covered by your cashflows over the next 10 years, in low capital risk assets (Cash, Term Deposits, and Bonds). However, history shows that over the long term the capital risk with shares becomes much lower and they offer the highest expected returns (income and/or capital gains). Therefore, we want to invest as much as possible in shares for the long term after we minimise the need to sell shares amid crises. Our strategy above forms a DYNAMIC asset allocation that is based on your planned cash needs in the short-term. It varies significantly to the industry standard where investors are asked questions about how they feel about risk and their assets are allocated in a STATIC asset allocation across products with different levels of risk according to your responses. We think this allocation is generally inaccurate which often destroys significant wealth and sometimes puts the investor in a riskier situation than they should be in. In addition, the portfolio management based on this strategy makes less than zero sense to us, more detail in the next section. We can also provide guidance on asset ownership structuring to take to your lawyer/accountant and insurance cover to take to your insurance broker.

We aim to generate strong returns and grow your wealth through our Long-Term Investment Philosophy, unique Portfolio Management strategy and unique fee structure. INVESTING PHILOSOPHY: 1) Investing a portfolio of 20-35 companies with enduring competitive advantages based on research and your income needs. 2) Holding those companies forever. Unless on new material information diminishes the company’s prospects or we find a better investment to replace one in the portfolio. We do not focus price movements unless new information justifies it. 3) Employing our unique Portfolio Management strategy (below). PORTFOLIO MANAGEMENT: We can often add significant value over the long term with our strategy to manage portfolios solely because we use a DYNAMIC asset allocation. This means we can use a different method to rebalance portfolios and manage withdrawals. 1) WITHDRAWALS: When funds are withdrawn for expected cash needs in most portfolios today, they are taken from shares and bonds on a pro-rata basis which is illogical to us given the risk of selling assets at losses. Therefore, we only withdraw from cash to minimise the risk of permanent capital losses. This means we need to plan your cash balances from maturing Term Deposits and Bonds to match when you need to withdraw cash to prevent needing to sell any capital. This allows shares to grow for 10 years and eliminates most of the risk of losing capital and increases the gains you are likely to receive from keeping your capital invested in shares for longer. 2) REBALANCING: As we use a DYNAMIC asset allocation to manage your capital risk, where we have effectively planned your cash needs in the short-term (10 years), we do not need to regularly rebalance when your shares grow faster than bonds as we expect them to and then buy more bonds to maintain your risk profile being a STATIC asset allocation, unlike almost all other fund managers. Therefore, we can let your shares grow more which is expected to generate significantly more wealth over the long-term. FEE STRUCTURE: We fully refund your fees paid to us while you were our partner when you no longer require or want our services and we do not clip the ticket anywhere including brokerage. This all means you retain more of your wealth relative to many of our competitors.

We charge a flat fee we call a "Partnership Investment Transfer" to our partners that is fully refundable when they no longer require our services or want to use them. We do not clip the ticket on anything including currency transfers and brokerage. This means your transaction costs are significantly lower than other retail offerings at present (can be 15 times cheaper!).

We need to personalize portfolios to manage risk effectively and ensure you are only invested in assets that you are comfortable with how they generate revenues. You cannot do this in any form of investment fund.

We disclose our own investments (not value but proportion), and we act at the same time as you following a recommendation to buy or sell something if that recommendation is suitable for you as well and you agree to to it.

We manage everything from savings and cash reserves to Shares on platform, in one place.