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 Our Research Based Approach 

Our approach:

Research shows that diversification across different asset classes and within asset classes reduces portfolio volatility in the longer term.  We therefore recommend investment in all the major asset classes - cash, fixed interest, Australian shares, international shares and property and within those asset classes use an index style approach.


The research: 

Portfolio Selection

The Journal of Finance

Harry Markowitz

March 1952, Vol. 7, No. 1: 77-91


What the paper says: Markowitz's proposition was that investors would use diversification to reduce the risk (volatility) of their portfolio for their chosen level of return.


In the author's own words: "Diversification is both observed and sensible; a rule of behavior which does not imply the superiority of diversification must be rejected.."

The next page in the research story - the Three Factor Model
Scott Francis' articles in the Eureka Report 

Plan Well, Invest Well, Live Well! Financial advice providing a clear direction

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