It is better to hang out with people better than you. Pick out associates whose behavior is better than yours and you will drift in that direction.
Our overriding philosophy is wealth preservation. You’ve worked hard to achieve your wealth so our principal objective is to help you protect it. The best way of achieving this is by diversifying your assets and minimising the costs of managing your wealth.
Establishing a diversified allocation of asset classes can reduce the volatility of your portfolio whilst increasing the performance. Our asset allocation approach looks to optimise returns whilst ensuring that you are taking the suitable amount of investment risk for your time horizon and attitude to risk.
GAM uses the following portfolios as a template for subsequent investment dependent upon their investment objectives – balanced, income or capital growth.
Balanced
Equities 50%
Alternatives 20%
Fixed Interest 30%
Income
Equities 50%
Fixed Interest 50%
Capital Growth
Equities 80%
Alternatives 20%
Now we discuss these individual asset classes in turn. As an independent stockbroker, we select the best investment route for each asset class based on value. As our income is derived from our transparent pricing structure we tend to prefer direct investments and low cost exchange traded funds to expensive unit trusts and structured products. Costs chip away at performance year after year and their impact compounds over time. There are few factors as predictive of future success as fees-they are the only variable known at the outset. We believe our approach aligns GAM’s interests directly with those of the client.
