GOWINGS INVESTMENT PHILOSOPHY Investments are made across different asset classes to take advantage of changing economic cycles. Having a diversified basket of assets also assists to produce smoother returns from year to year. Investments are made in assets which have the potential to deliver superior growth over the long term when that growth is not reflected in today’s asset prices. Investments are made on a risk return basis with higher returns required for more risky assets. As a long term investor, we seek to maximise our returns over time through the power of compound interest and minimising costs. At Gowings, all the board of directors and management are shareholders, giving rise to our commitment to “investing together for a secure future”.