Sublime

He gets up early and arrives at the office early. He jogs and does yoga. He eats heaps of salad and a dearth of doughnuts. He works in a quiet office where he can focus. He consistently applies four time-tested principles as a filter for every investment idea. He invests in a tax-efficient manner. He keeps his investment expenses as low as possible

Steve Birch, another of our in-house money managers, started managing money earlier. He took advantage of the roaring bull market of the late 1990s and protected most of his gains by going mainly to cash in the bear market. Between 1998 and 2003, he had gained over 1,300%.