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Investment Advisory

Appropriate asset allocation is a critical component of any financial strategy. We work with you to deploy your assets in accordance with your spending needs as well as your desire to leave money to future generations and charitable organisations. The better we understand the intended uses of your wealth, the better we can match the risk and expected return characteristics of your portfolio to your objectives.

Your asset allocation is implemented through a combination of proprietary and third-party investment strategies, all with the same goal in mind: to preserve and grow your wealth. To be considered for a spot on our platform, investment managers must believe that buying securities at a discount to their intrinsic value and understanding what you own and why are the most effective ways to safeguard and create wealth over time.

Asset Allocation Process

Philos Partners’ investment teams make asset allocation recommendations for various client types, and our relationship teams use these recommendations as a starting point for combining our best thinking with investment and wealth planning advice tailored to your and your family's needs.

Our Fundamental Investment Principles

  • We believe that all markets are inherently inefficient and that by carefully selecting securities, investors can generate excess returns while reducing the risk of permanent capital loss.
  • Bottom-Up Fundamental Research: We invest in strategies that employ rigorous fundamental analysis to forecast the value of each potential investment.
  • Value Orientation: We seek techniques that invest in securities that are trading at a discount to their intrinsic value*, providing a cushion of safety to the portfolio.
  • Long-Term Focus: We believe that rather than being affected by short-term market volatility, the best way to earn great investment returns is to patiently wait for an investment's potential to be realised.
  • A Different Take on Risk: We believe that permanent capital loss, not market volatility, is the greatest threat to your financial health. We believe that market volatility presents opportunities to acquire high-quality assets at a discount to their current value.
  • Discipline and patience: We are patient investors. When nothing meets our investment criteria, we keep cash on hand and have the conviction to sell when an investment no longer provides acceptable returns in relation to its risk.

* Intrinsic value is the value we believe a security has based on our examination of both tangible and intangible characteristics.
**When we believe there is a big discount to intrinsic value at the time of purchase, we use a margin of safety — we attempt to buy at or below 75% of our estimated intrinsic value.

NOT FDIC INSURED   NO BANK GUARANTEE   MAY LOSE VALUE