Our Investment Approach

lnvest, Integrate, Innovate, Realise

AFICO's primary investment objective is to create value in its business portfolio by identifying outstanding opportunities in the financial services industry and partnering with high-quality people and management teams to realise a company’s growth potential. AFICO's simple investment approach drives value creation for all stakeholders – from its investors and management teams, to the employees and customers of the businesses we own.

When AFICO acquires an investee company, or organically develops one, we seek alignment from both an equity and management participation perspective.

Whilst our goals are to invest, integrate, innovate and realise value, AFICO's investment approach to running a business is akin to that of long term owners or founders, where development, structure, investment and incentive decisions are focused on enhancing a company's value over the long term.

Despite AFICO's long term investment perspective, when an investee company has achieved the original investment objectives or a scale of investment beyond AFICO's risk appetite, members of the AFICO investment team liaise with management to determine the most appropriate mechanism for AFICO and its partners to exit its investment.

There is a range of alternative exit mechanisms available, including an initial public offering, sale to a trade buyer or sale to another financial buyer, with the preferred method being decided after detailed consideration of the nature of the company and its market, managements’ preference as to future ownership and valuation metrics.