Our Strategy
Simple and balanced — combining safe assets, global equities, and a small allocation to bitcoin.
Every instrument has a defined role
Our approach combines safe assets, global equities, and a small allocation to bitcoin in order to balance stability, long-term growth, and diversification.
The proportions shift with your risk profile, but the principle does not: the majority of the portfolio sits in lower-risk instruments, equities provide long-term growth, and bitcoin remains a small, deliberately capped position.
Bonds, savings, low risk
Global companies via ETFs
Long-term diversification (only 5% in the Balanced profile)
Three profiles, three fixed assumptions
Each profile uses a fixed annual return assumption in our calculator. These are planning assumptions for illustration — not forecasts, and not guarantees.
5.5% assumed annual return
Weighted towards bonds and low-risk instruments. Built for people who prioritise stability and a shorter time horizon.
7.0% assumed annual return
The middle path: a substantial safe-asset base, meaningful equity exposure through ETFs, and a bitcoin allocation fixed at 5%.
8.5% assumed annual return
A higher equity weighting for longer horizons, with bitcoin still capped at the upper end of the 5–10% range.
What the strategy deliberately avoids
- No market timing or tactical trading
- No concentrated bets on individual companies
- No leverage or borrowed money
- No unlimited crypto exposure
- No promises about future returns
Diversification and consistency do most of the work over a long horizon. Removing the temptation to react to short-term movements is a feature of the design, not a limitation of it.
Ready to start saving for your future?
Get a free consultation. We’ll explain how it works in your situation — no pressure, no jargon.
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