We are wedded to the belief that a passive investment philosophy is the best way to help our clients achieve their investment goals. Passive investing involves choosing assets that best suit the risk you need to take over a particular time scale and selecting a portfolio of index tracking funds that match your needs.

Here are some of the reasons why we use passive funds:

• Passive funds do not have the high costs of Managed or Single Fund Managers.
  
  
• Passive funds reinvest dividends back into the plan rather than sacrificing them in order to chase performance. 
  
  
• Passive funds do not incur unnecessary charges caused by switching.
  
  
• We are not looking to buy the needle in the haystack (i.e. the fund which can outperform an Index), our philosophy is to buy the whole haystack.