• Analyze client needs and gain an understanding of the following:

  • Return requirements, income needs and tax implications

  • Tolerance to risk and loss of capital

  • Time Horizon

STEP 2 � Diversification

• Diversification reduces portfolio volatility without reducing return

• Diversify by geography, asset class and investment management style

STEP 3 � Document your Investment Policy Statement

• Summary document used as foundation for client�s investment decisions

• Describes the objectives of portfolio, investment guidelines and targets appropriate asset allocation and any investment constraints

STEP 4 � Investment Selection

• Criteria for selection includes:

  • Quantitative Analysis

    • Focus on consistency of returns, value added vs. benchmarks, level of diversification and adherence to investment style

  • Qualitative Analysis

    • Focus on Investment Manager�s investment philosophy, risk management, proficiency of its people and management, process and code of ethics

• Recommend a customized portfolio that adheres to your Investment Policy Statement

  • Strategic asset allocation

  • Multi-dimensional diversification

STEP 5 � Continuous Monitoring & Review

• Monitor the events that shape our client�s lives and their financial goals

• Study the trends and developments that shape the global investment environment, that drive our economy and ultimately affect your portfolio�s performance

• Quantitative and qualitative reviews look for signs of potential deterioration in performance

  • Deviation from the investment mandate

  • Consistent under performance

  • Departure of key investment personnel from Investment Manager

  • Merger or acquisition

• Our investment process forms a direct partnership with our clients, the lines of communication are always open