INVESTMENT APPROACH
Each individual has unique circumstances and importantly so are your investment preferences and risk appetite.
As your “trusted wealth partner”, we will take you through an investment preference and risk tolerance exercise
RISK APPETITE
We initiate this process with a questionnaire that will explore your attitudes towards risk and reward. From here we will then analyse whether your answers are consistent, and further into how much risk you can tolerate and finally how you handle loss in the portfolio.
GAP ANALYSIS
Just because you have risk appetite does not mean you have to take risk in your portfolio. We study the available capital and compare that to the return required to meet your income requirements and financial demands of your other objectives.
By understanding the level of gap between the two, we can provide you with alternative investment options to ensure you meet your requirements with as little risk as possible.
Alternatively we may provide you with options on how to bridge this gap either by taking on more risk (and understanding the consequences) or adjusting your goals accordingly.
Alternatively we may provide you with options on how to bridge this gap either by taking on more risk (and understanding the consequences) or adjusting your goals accordingly.
INVESTMENT PREFERENCES
Each client will have their own views and preferences on investments, therefore it is important that we build a solution that takes these views into account. We will explore with you what your views are on various investment approaches. Some examples include:
DISCRETIONARY OR COLLABORATIVE: Do you want us to have management discretion on your investments in accordance with a pre-determined mandate without you having to approve every trade or would you prefer to approve potential trades beforehand?
DYNAMIC OR STRATEGIC ASSET ALLOCATION: Do you want your asset allocation to move over time in accordance with our investment committee’s research or would you prefer your capital invested in a set manner which is rebalanced on a pre-determined schedule?
DISCRETIONARY OR COLLABORATIVE: Do you want us to have management discretion on your investments in accordance with a pre-determined mandate without you having to approve every trade or would you prefer to approve potential trades beforehand?
DYNAMIC OR STRATEGIC ASSET ALLOCATION: Do you want your asset allocation to move over time in accordance with our investment committee’s research or would you prefer your capital invested in a set manner which is rebalanced on a pre-determined schedule?
