Our Ethos

The financial crisis of 2008 was the result of the collapse of the greatest credit and asset bubble in history.  Only massive monetary intervention by central banks and government fiscal stimulus programmes prevented the collapse of the financial system itself.

In avoiding a repeat of the great depression of the 1930s, Western governments have authorised huge increases in sovereign debt to dangerous levels.

Where some governments call for fiscal restraint, others call for more stimulus.  Where some economists point to the need to tackle the problem of deflation, others sound the warning of impending inflation.

Clearly, the financial system has been left fragile and beset with uncertainty.  We are in the aftermath of a post credit bubble collapse of historic proportion with a policy response that is effectively a huge experiment.

Using the received wisdom and old investment tools is similar to driving a car by looking in the rear view mirror.   The old rules don't apply in this new environment.  In the financial world of the future, it is important to develop a framework for understanding how government and central bank action to reflate the economy will play out and the implications for investments.

At 2hwealthcare, our experience is that the majority of our clients are essentially looking for capital preservation with an opportunity for improved income and capital growth, without undue risk.

We believe that it is highly important to constantly assess the wider economic environment, to have an understanding of how the situation may develop and to allocate assets accordingly.