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Our Philosophy is Timeless

The Payers and Growers® investment philosophy is dedicated to bridging the gap between our clients’ investment requirements and the portfolios we construct. Our investment philosophy is consistently applied and draws on the fundamental sources of investment return, income and capital growth.

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The effective annual cost (EAC) is a measure which allows you to compare the cost that you can expect to incur when you invest in different financial products. It is expressed as a percentage of your investment amount. The EAC is made up of four charges; investment management, advice, administration and other charges, which are added together to produce the EAC. The EAC is an ASISA Standard and the full calculation methodology and assumptions are available on ASISA’s website (

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