I advise on the allocation of funds across equities, bonds, private credit and real estate; this website is a communication channel for how I manage these funds.

My investment process is quite specific, with the following key characteristics:

- fund managers are used for the majority of funds invested in equities and debt

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- direct equity investments are made only when a normally-stable company experiences a significant price decline due to a perceived over-reaction by the market to news

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- ETFs are used as the primary vehicles to access fund managers; the ETFs are on the ASX and TMX. Unlisted funds are used only when appropriate ETFs are not available
 

- equity allocations (except for direct investments) are in global funds, both passive and active

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- investment grade debt allocations are to either floating-rate or fixed-rate bonds, depending on the interest rate environment
 

- sub-investment grade debt allocations are in specialist funds; the key goals are maximising yield and senior secured holdings

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- the allocation between equities and debt varies depending market conditions and real estate investment requirements.