At IJG we weigh the merits and shortcomings of both active and passive investing approaches and make use of more cost-effective passive products in more efficient markets while making use of “best in breed” active asset managers with proven track records in markets where we believe excess returns can be consistently generated.

At IJG we believe asset allocation is the key investment decision. We carefully balance the expected returns and potential risks of each asset class to build a portfolio that has a strong probability of meeting the investor’s long-term objectives with the lowest risk profile through efficient diversification. We make use of tried and tested portfolio construction techniques, rigorous backtesting and years of experience to ensure our client’s investment goals are reached.

IJG believes that consistency is key to successful investing. We believe that a steady, consistent approach will result in the best outcomes for our clients in meeting their investment goals over time. This involves having a predetermined investment process and sticking to it, ignoring the noise of short term fluctuations and sentiment in the market.

As with any product or service, there are fees and costs attached to investing. Although fees normally seem small, costs add up and compound over time. As a result, investment fees are one of the most important determinants of investment performance. At IJG we aim to provide solutions with a total expense ratio (TER) of less than 1.5%. We don’t charge performance fees, advice fees or penalty fees and aim to provide clear and transparent pricing on all our services.