Objective:

Generate consistent moderate returns navigating both equity and bond markets

Core principles:     

• Generate consistent moderate returns
  Aim for steady and reliable investment growth with moderate returns over time.

• Navigate equity and bond markets with a moderate risk tolerance
  Manage investments across both equity and bond markets, balancing opportunities and risks in line with a medium risk level.

• Maintain low number of holdings for smaller accounts
  Keep a focused and simplified portfolio with fewer holdings to suit the needs of smaller accounts.