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A summary of our investment philosophy is we are risk aware and aim to have lower-than-market levels of volatility in our portfolios. We are conscious of the uncertainty of future returns, so highly concentrated exposures and illiquid holdings are rare in our portfolios. We invest to specific portfolio objectives based on fundamental research; we are not index-based investors. Our research process seeks to identify investment opportunities that can grow and pay sustainable income through time.

As active managers we use our own research to invest in companies we believe are undervalued. Once invested, we continuously monitor these positions to ensure the fundamentals behind the decision to invest have not changed. We believe that through skill and opportunity, we can add value over and above the benchmark indices. As a result, our portfolios reflect our best investment ideas and are structured to provide sustainable income and/or capital growth over the medium to long term.

Our investment decisions are made from our investor’s perspective and investments are only made following a structured process, combining both quantitative and qualitative factors. We place a strong emphasis on risk management. That is, we seek to invest in high quality, or potentially high quality companies, where the expected return from the investment, will more than adequately compensate us for the potential downside risk.

What we offer

We place emphasis on managing risk.

We value assets where the expected return will more than compensate us for the potential downside risk. We look to build portfolios which have lower volatility than the broader market.

We invest on the basis of research.

We use our own internal research to identify securities we believe are being undervalued by the market. We use a balance of quantitative and qualitative factors to build a deep understanding of each security we invest in.

We are active managers.

We believe through skill and opportunity we can add value over and above benchmark indices. We are not index-based investors, we are constantly re-evaluating our portfolios.

Our Investment Style

Union Finance Investment’s investment style can be categorised as ‘Defensive Growth’ and our portfolios typically have a lower beta but higher tracking error than the overall market.

Our research is designed to identify companies that match pre-defined criteria. Companies we invest in should be profitable at the point of initial investment. ‘Blue-sky’, loss-making, cash consuming companies are avoided.

Our investment criteria requires potential investee companies to demonstrate most of the following characteristics

  • A niche franchise
  • Good order visibility
  • High barriers to entry
  • Pricing power
  • Competitive advantage
  • Significant & growing market presence
  • Ability to sustain profit growth over the long term
  • Not dependent on acquisitions to generate growth
  • High calibre management with a proven track record of creating shareholder value
  • Management teams that hold meaningful equity stakes in the businesses they run
  • Potential to deliver positive news flow on a consistent basis
  • Effective Board structure and sound corporate governance

When uncertainty strikes, we're ready.

A portfolio that can’t respond rapidly to new information is exposed to additional risk

We have the ability to respond quickly and insightfully. With professionals in every major timezone, we monitor investment markets day and night. When it’s time to act, our internal trading capability can implement trades around the clock-potentially protecting portfolios before local operations start their day.

Responding to major events


Monitoring investment markets day and night.


A robust process to help ensure decisions are sound.


The ability to efficiently implement trades around the clock, through our internal trading capability.