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Wealth Accumulation

Our experience has left us in no doubt that the accumulation of wealth is best achieved using long-term investment in stocks, corporate bonds and commodities.

In order to achieve sums sufficient to secure one's financial wellbeing, one must either begin investing many years ahead of the date when the sum will be required or, alternatively, an investor must seek out asset classes or securities which offer the potential for greater returns over a shorter term despite the associated increased risk. Fortunately for our clients, the professionals at Allen Baker have extensive risk management experience gained at some of the most highly-respected names in global finance.

Our Common-Sense Approach

Allen Baker takes a simple, no-nonsense approach to wealth accumulation. Working closely with you and any professional advisers you wish to appoint, we define your goals and your timeframe for their achievement.

We factor in your income both active and passive from say, dividends, coupons from bonds and/or rental income from a property portfolio. We look at your outgoings and the degree of investment risk you're willing to expose your capital to.

We're never surprised that the overwhelming majority of prospective clients desire high returns without high risk but, sadly, this is not the way things work. The stark reality is that high returns will always be associated with a somewhat higher risk of loss unless you invest astutely.

Allen Baker creates portfolios that stick to prudent asset allocation guiding principles. As far as we're concerned, asset allocation is one of the most essential tools if one is to effectively manage investment risk.

The most common components of a Allen Baker portfolio are:
-   Investment-Grade Corporate Bonds
-   Large Cap Stocks
-   Mid-Cap Stocks
-   Small Cap Stocks
-   Emerging Market Stocks
-   Hard Assets (Commodities)

Wealth Protection

For many people, the preservation of what they already have is even more important that acquiring more.

For the most part, many of our private clients have accumulated their wealth after many years of commitment, hard work and sacrifice so, putting it mildly, losing it on an ill-considered investment would be particularly undesirable.

As one would expect, wealth preservation strategies will usually differ significantly from those of wealth accumulation insofar as the onus tends to be on maintaining the buying power of money that has already been created. As we are all aware, $100 won't buy anywhere near as much as it did 25 years ago.

There is a chasm between official inflation statistics provided by governments and that which ordinary people experience each day in the stores or when renting a home, for example. If you underestimate inflation, you run the very serious risk of degrading the purchasing power of your wealth. That could have serious ramifications when it comes to retirement.

Our Unobstructed View

Here at Allen Baker, we prefer to dispense with the rose-tinted spectacles when devising our clients' wealth preservation strategies. Our professionals use inflation statistics from independent statisticians when calculating the growth rates necessary for your portfolio to achieve its objectives.

Our wealth preservation credentials are characterized by our focus on the following:
-   Targeting performance to compensate for more realistic 'unofficial' inflation
-   Trust in traditional safe haven assets like gold
-   Distrust of advanced economy sovereign bonds like US Treasuries
-   Adoption of developing economy sovereign bonds

Accessing Our Expertise

There are two ways by which those seeking better returns of their investments can gain access to Allen Baker's superior wealth management counsel.

Discretionary Management

For those who would rather leave investment decisions to the professionals, we offer a discretionary management service. This offering requires clients to grant a limited power of attorney to our portfolio managers that allows them to purchase only those assets that conform to our client's unique risk profile. This means that a client with a low risk profile will receive a portfolio that contains only low-risk assets like bonds or blue chip utilities stocks that pay dividends. A higher risk profile could conceivably receive a portfolio containing IPO stocks, small-cap stocks and emerging market equities/bonds.

Our portfolio managers will buy and sell assets in the portfolio without having to secure the client's authorization. The advantage of this is that our managers can act quickly to take advantage of opportunities that manifest themselves, often locking in profit that could otherwise be lost by the time they establish contact with the client.

Advisory Management

For the more sophisticated and experienced investor, we offer an advisory management service that provides them with the same exciting investment opportunities as those in the discretionary service. The difference her, however, is that our portfolio managers must secure the client's permission before taking any action on the account – even at the risk of missing out on gains. The client retains the ultimate say on what deals are transacted within the portfolio. This service is ideal for those who wish to deploy their own investment expertise to evaluate opportunities while taking advantage of Allen Baker's superior global market access and timely execution.


At Allen Baker, we fervently believe that few vocations more clearly reflect the higher duty of care to another individual as that which comes with serving as a trusted advisor.

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Our experience has left us in no doubt that the accumulation of wealth is best achieved using long-term investment in stocks, corporate bonds and commodities.

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Analysis & Research

Allen Baker's investment philosophy is founded upon our real-world comprehension of financial markets and their drivers. At their heart, markets are comprised of individuals and it's vital that whatever decisions we make are implemented without emotion.

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