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Toward the end of 2008 we launched a new investment platform, the Assyst Portfolio Service, or APS as it is also known.

We realised very early on that the investment offerings in the market were simply not suited to the needs-based advice process we had developed. Working closely with our investment partner, we developed a unique investment offering designed to integrate seamlessly with the needs-based advice process we had developed and now follow.

The structure of the APS platform is underpinned by a set of principles, again reflecting what our clients have told us is important to them:

• It should maximise the reliability of meeting clients’ income or cashflow objectives.

• It should offer a range of well researched investments from specialist investment managers, in a tax-efficient, cost-effective and administratively simple manner.

• It should be transparent and conceptually simple to understand, giving clients a clear and comprehensive view of their portfolios and how those portfolios will meet their needs.

• It should be flexible so that it meets individual clients’ needs, preferences and attitudes towards risk.

• It should provide our clients with ready access to their money when it is required to meet their spending needs.

• It should have an emphasis on protecting our clients’ capital with consistent, competitive returns.

Each investment manager which contributes to the platform is carefully researched and selected from a range of complementary New Zealand, Australian and global investment managers.  They are chosen for their expertise to manage a particular component of the portfolios.