We are an independent financial planning company. Independence means we are able to access all products and all providers – giving you a totally unrestricted advice solution.
Oracle sets the bar high. We demand high standards of integrity and technical competence. We are very highly qualified, experienced and determined to help you succeed.
Our job is to understand what it is you want to achieve and using our expertise to help you get there.
We won’t overcomplicate matters, nor attempt to blind you with financial science.
Our Investment Philosophy
We make a promise to not over complicate matters. We listen to you and your objectives. Understanding what you want is the key to all that we do on your behalf.
Once we have assessed your Attitude to Investment Risk and Capacity for Loss we can then begin to construct your investment portfolio.
We believe that a successfully managed portfolio of funds comes from an open and pragmatic approach to investment. We also believe that different styles of management, tools and research work in different parts of the investment cycle and therefore maintain a flexible investment process.
General
Independence – We are fiercely independent and perform all research conscientiously with the highest level of diligence and thoroughness.
Investments with higher than expected returns will inherently have more risk.
Diversification – We believe that retail investments should be diversified.
We believe that markets are only generally efficient in the long term. Therefore, active managers may only be able to exploit inefficiencies over a long period. Concentrated funds can suffer long periods of underperformance. Therefore, to be included, the long term expected return must be significantly higher for the risk taken, than with a more diversified fund in order to be selected.
Understanding
Structure – The structure should be robust and not pose unacceptable risk.
Process – The investment process should be robust, transparent and understood.
Performance – The analyst should be confident that they understand the drivers and reasons for performance.
Cost – The costs of investment should be known and considered reasonable for the type of investment. Investments will always be assessed after costs.
Risk Warning- The value of your investments can go down as well as up, so you could get back less than you invested.