A systematic, low cost model of balanced and diversified asset allocatioN

Balanced and Diversified. Our portfolios are balanced across asset classes to maximize risk-adjusted return for an investor’s risk tolerance. We allocate to equities and bonds based on a client-appropriate, predetermined ratio. Within each asset class we diversify across geography, size, sector and ESG theme.

Systematic. We employ a tried-and-tested, quantitative and rule-based rebalancing strategy to retain our preferred allocation and reduce volatility, while maintaining annual returns.

Low Cost. We invest in ETFs. These are simple, low cost vehicles that allow us to build portfolios with broad exposure across equities and bonds, while expressing specific ESG thematic views.

+

An ESG overlay, which directs investments into companies that perform well across these 3 factors

Top ESG Performers. We seek to invest only in companies that have higher overall ESG performance. A significant amount of ESG information has become available about companies over the past decade. This provides investors with an enhanced way of analyzing company performance. We use market leading, best-in-class ESG research firms to provide all underlying analysis and indexes.

Special Situations. We seek exposure to companies performing well in specific thematic ESG areas, such as clean energy, water, and gender diversity. We consider these opportunities to be “special situations” that allow us to push the boundary further into positive impact. Over time, as the ESG ETF market develops, we aim to expand this portion of our strategy.