Our Investments Mission is to provide an unrivalled Investment Management Service to our pension fund contributors by focusing our efforts in defining and maintaining clear investment policies and strategies that gives our contributors a clear competitive advantage.
Such competitive advantage is a function of the quality of our investment management team supported by infrastructure focused solely on complying with Pension fund investment guidelines.
Our approach is to allocate our various funds for optimal long term growth in a range of carefully selected investments. We research each investment strategy individually by undertaking an in-depth and full fundamental analysis. The capacity and integrity of the management, profit, growth and cash flow potential of the business are key factors which we consider when deciding whether or not to invest in stocks and bonds of any company.
We target our assets to achieve excess absolute returns in the medium to long term. In order to monitor investment management activity, our internal procedures require the investment management team to adhere to a broad systematic investment process.
Significant resources are employed to ensure each Pension fund investment vehicle is managed within the appropriate risk parameters and investment guidelines.
Extensive attribution of returns is applied to constantly monitor performance relative to benchmarks and peer groups. Maximizing total returns by investing in securities and instruments that would deliver long term capital appreciation and income growth without compromising the safety of the funds is of importance to us.
In all our activities the investment team at Crusader Sterling Pensions would
- Be commercial, fair, honest and loyal
- Respect the needs of our contributors, shareholders, staff and the businesses we invest in
- Maintain our Integrity and Professionalism
- Strive for continual improvement and innovation
The core of our Pension fund investment portfolios consist of long-term holdings which are considered to be stakes in businesses and the economy, selected on the basis of a 70% bottom-up and 30% top-down research driven approach. There is no ‘black box’ investment system and the selection process is on an asset by asset basis. Investments are made in a broad spectrum of instruments, sectors, industries and companies and in selecting these, the following factors, amongst others are considered:
- Overall growth and return prospects
- Competitive position in their respective markets
- Technology, productivity, research and development
- Commitment to increasing shareholder value
- Cash flow
- Corporate governance, to name a few