Reliance Trust’s investment philosophy aims to grow and protect our clients’ wealth regardless of the twists and turns in the financial markets. We achieve this aim by adhering to a disciplined and well-structured process, designing and constructing institutional-quality portfolios that offer the strategic balance of growth potential and risk management appropriate for each client. More than ever, in these uncertain times our clients know they can look to the steady hands of our experienced investment professionals to guide them through the noise and help them achieve their financial goals.
We believe asset allocation is the primary driver of returns and risk in a portfolio over time. We generally evaluate asset classes across three dimensions:
Custom designed to meet your needs, your portfolio will contain multiple asset classes representing each dimension in an attempt to reduce unnecessary fees, generate excess returns and control your portfolio’s overall risk.
Your strategic asset allocation provides the aggregate amount of risk suitable for your goals; however, dynamic, volatile and unpredictable markets require additional layers of risk control. Our disciplined risk management process endeavors to ensure our clients’ investment plans weather any unexpected volatility and remain safe from undue exposure to any one risk factor. Ultimately, such risk controls should enhance returns over time. Key risk controls include:
While asset allocation is the primary driver of risk and returns in a portfolio, a thoughtful, sound approach to manager selection adds value and can positively impact a clients’ wealth. We follow a disciplined multistep due diligence process to select and monitor superior third-party investment managers. We look for:
We achieve a full understanding a manager’s process and philosophy by interacting directly with the manager, a process that takes time. In addition, a purely quantitative approach to manager selection likely leads to disappointing results. We firmly believe that there is no substitute for in-depth qualitative research.