Preparation is where it's at
Invest in a portfolio that combines our building blocks to meet a specific goal, or pick the blocks that suit your style.
Our approach
Our map is data
Algorithms work out the best portfolio for each risk preference: conservative, moderate or aggressive. The rules can be tested against historical data.
We're in both camps
Our passive investing follows rules and data. On the active side, we analyse the risk factors that affect a company's operations and share price, using data rather than company visits.
Building blocks, combined
Each portfolio combines our value, quality, stability and momentum blocks to meet a specific goal and risk level. You can also invest in the blocks on their own.
We explain as we go
Transparency and education are part of how we work: we want you to learn along the way.
Our building blocks
Value. We look for companies trading at a discount to their fair value, using measures such as price-to-earnings and free cash flow yield, which often point to a price returning to its average after a big market dislocation.
Quality. Profitable companies that deliver consistent earnings, giving a margin of safety over time. Dividends matter here, and we weight the block using our own dividend-weighting method.
Stability. Companies with lower volatility, measured over both one and three years.
Momentum. Companies with strong price momentum over six months and a year, and strong forward earnings or sales momentum, weighted by a momentum score.
Why we combine them
Each building block's returns are cyclical. They respond to economic and market forces, and each one has underperformed the market at times.
Because the blocks are driven by different risk factors, they don't always move together. Combining them spreads the risk, so when conditions are hard in one area, the rest of the portfolio can carry on.
What a risk score means
Each fund has a risk score. The higher the number, the more of the fund goes into higher-risk assets such as shares, and the more its value can rise and fall.
See each fund's score