We work with our clients to determine their specific investment objectives, eg growth, income or a combination of both. Investment risk is then diversified through exposure to the four major asset classes: Cash Fixed interest securities Commercial property Equities   Investment is then made through the most tax effective route, for example: Investment Bonds, Pensions, Unit Trust, Open Ended Investment Companies and ISAs.   Our investment philosophy has a conservative bias: a good, steady return rather than spectacular performance.   A structured and systematic investment review process is pursued with technical input and facilities from forward thinking investment managers at GHC Capital Markets, part of the independent stockbrokers and macroeconomic research team at GHC Group.