Our Views

An asset class is a group of investments that share similar characteristics and behave similarly in the market. Common asset classes include equities (stocks), bonds, real estate, commodities, and cash equivalents like money market funds. Each asset class has distinct risk and return profiles, and investors typically diversify across asset classes to reduce risk and optimize returns based on their financial goals and time horizon. 

Impact investing refers to investments made to generate positive, measurable social or environmental outcomes alongside financial returns. Unlike traditional investments that focus primarily on profit, impact investing targets areas such as renewable energy, education, healthcare, and poverty alleviation, aiming to address global challenges. Investors actively seek to support projects or companies that contribute to sustainable development, while still aiming for a reasonable financial return.

Investment approach refers to the strategy used to manage investments, typically categorized as active or passive. Active investing involves frequent buying and selling of assets to outperform the market, relying on research, analysis, and timing strategies. It offers higher return potential but comes with higher costs and risks. Passive investing, on the other hand, follows market indices with minimal trading, aiming for steady long-term growth at lower costs and risk. Investors choose between these approaches based on their risk tolerance, time commitment, and financial goals.

Investment style defines how investors select and manage assets, with approaches like growth, value, income, momentum, passive, and contrarian investing. Each strategy has different risk-return profiles and suits varying market conditions. 

Investment horizon refers to the length of time an investor plans to hold an investment before liquidating it. It can be short-term (less than a year), medium-term (1–5 years), or long-term (5+ years), depending on financial goals, risk tolerance, and market conditions. A longer horizon allows for higher-risk investments, like stocks, while a shorter horizon favors safer assets, like bonds or cash equivalents. 

Geographic focus in investing refers to whether investments are made domestically (onshore) or internationally (offshore). Onshore investing offers familiarity, regulatory stability, and lower risk, while offshore investing provides diversification, access to global opportunities, and potential tax benefits but comes with currency and geopolitical risks. 

Market exposure refers to an investor's allocation to different markets, typically divided into public and private sectors. Public market exposure involves investments in assets that are traded on public exchanges, such as stocks, bonds, and ETFs, which offer liquidity and transparency. Private market exposure, on the other hand, includes investments in privately held companies, real estate, or venture capital, which may offer higher returns but come with less liquidity and higher risk. Investors often balance both to achieve diversification and align with their risk tolerance and objectives .