Over time, income tax implications and inflation erode capital. The opposite extreme of aggressive equities is also an approach which we don’t favor.
Clients will typically experience 5-7 economic market cycles before transferring their wealth. Trying to time these cycles is a futile exercise and so we prefer to prepare rather than react.
Our belief as such is that more can be achieved through efficient portfolio construction. By quantifying risk through back-tested portfolio analyses while comparing with past and projected returns, we have been successful in capturing strong returns during periods of market growth and preserving more capital during economic contractions.
In addition to seeking capital appreciation, we see income as another form of profit. Whether our clients need a regular stream of income or prefer not to draw from their portfolio, tax efficient income based investing forms part of our portfolio construction efforts.
We believe that income based investing also contributes to our clients’ risk management plan. A regular stream of income reduces overall volatility while also returning the initial capital investment over time.
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