The first step of our investment management is to understand your risk profile. We have a structured process that helps us to learn how much risk you are prepared to take and what return target or benchmark you have.
We have developed a “Core and Satellite” investment solution, which is sensitive to risk profiles, currencies and even product providers’ platforms.
To ensure your overall portfolio retains your desired risk adjusted characteristics, a substantial portion is allocated to a longer-term Strategic Asset Allocation that utilises multi-assets, multi-manager and liquid funds as the stable ‘core’ of your portfolio. We also tilt the strategic allocation in a targeted manner, based on shorter-term opportunities in the markets.
Your Satellite investments are the assets held alongside your portfolio’s ‘core’ holdings. They are prudently selected following an open dialogue between you and your Wealth Manager.
The funds selected are monitored against relevant benchmarks and peers on an on-going basis. If the characteristics of any individual fund change relative to its previous history and/or the benchmark, this would flag the need for a review of the fund. The same is true for changes in the economic environment, which will flag the need to review your portfolio’s underlying asset allocation and/or strategies.