Life Balance Financial Professionals’ investment philosophy is simple, transparent and makes sense.  Our approach is based on financial science and academic research and adheres to the following principles…

• No one can forecast the future accurately, yet investing is about the future, not what has happened in the recent past.  Chasing past winners is no guarantee of future success.
• You do not need to forecast to have a successful investment experience
• Risk and return are related.
• Research shows that returns are a product of how much risk an investor takes through exposure to the various asset classes, being cash, fixed interest, property and shares.
• Cash and fixed interest are used as an ‘anchor’ for a portfolio to dampen overall volatility.  These asset classes should not be used to generate higher returns – this is the role of property and shares, where increased risk is compensated.
• Wealth is not created by trying to pick stocks or time your entry or exit into markets.  It is created by being part of the market and remaining disciplined.
• Diversification is essential when constructing portfolios.  It not only reduces risk, but also increases the reliability of investment returns.
• We continually educate our clients to remain disciplined with their investment strategies and focused on their longer term goals.
• Certain sub-sectors of the market offer higher expected returns than others.  By tilting client portfolios towards these sub-sectors, returns can be increased, though risk may also increase.
• Our approach works in both ‘bull’ and ‘bear‘ markets.
• Our approach is adaptable to all investors, whether they have a conservative or aggressive risk profile.
• We also incorporate our clients’ existing investments into our approach.