Whether it is to save enough money for that retirement or simply to ensure your assets are protected from inflation, understanding of investment is required. What we can offer you is a financial advisory service. Many people tried to invest on their own. Depending on the market conditions, experiences with investments are wide ranging. Some people felt that investing is like gambling; others felt that it is a win-lose situation in which the party losing is the investor; yet others felt that it is as easy as throwing darts on the board (especially during market bull run). 

Investment is not gambling. A well constructed portfolio can be done to prevent the investor from “losing”. Oh yes, throwing darts on the board is indeed gambling and a sure way to lose a lot of money!

You need to engage a service, not purchase another product

Therefore, when you engage us for investment, you will be signing up for a long-term advisory service. Our remuneration is structured in such a way that an increase in your portfolio market value directly translates to a higher income for us. Conversely, a decrease in your portfolio market value translates to a lower reward for us. We charge an on-going advisory fee as a percentage of your portfolio market value. The larger the portfolio becomes, the higher our remuneration in absolute amount. I am sure this is your first time hearing such alignment of interest between the adviser and the customer.

Regular Saving Plan and Lump sum. Besides investing lump sum, setting aside a fixed amount of money every month into an investment portfolio (called regular saving plan - RSP) is gaining popularity. This method has an advantage of enforce discipline saving. Typically this is done to accumulate wealth for retirement. The RSP can be done for low risk investment (which can provide minimum guarantee return) to high risk portfolio (which has no capital guarantee but able to provide potentially high returns). Besides cash, CPF and SRS monies can be used. Read this magazine article HERE for more information.

Buy and Forget Funds. Do not wish to monitor? Not keen to pay advisory fee for your financial adviser to help you manage? We can help you construct a very simple portfolio which does not require any monitoring at all. Suitable for all risk profiles ranging from low, medium to high risk investors. Read this magazine article HERE for more information.

Tertiary Education saving. Congratulations on the birth of your child, now it is time to solve that large bill that is coming your way when your baby enters tertiary education. 18 years from today, a medicine study can set you back from $250,000 to $1.2 million in future dollars! Cannot believe it or just too keen to fix this problem? We offer solutions via an investment strategy. Skip to page 65 of this magazine article HERE to read what I have to say about this problem.

Cash preservation funds. Not too keen in banks’ interest rates? Want to get slightly higher return without taking too much risk? It is possible to get a higher return on your savings without subjecting to excessive risk. Known as Money Market funds, nobody will want to sell it to you because of its low management fee. Yet the returns have been much better then that saving account. Suitable for low risk investor, read this magazine article HERE for more information.

Index Funds. Highly unpopular in Singapore but terribly popular in the United States, Index Funds have produced superior returns over its active managed counterparts not because they are good but the latter have been bad. Unpopular in Singapore because of its low management fee and general lack of investment knowledge among the population, we are proud to perhaps the first to strongly advocate the use of such passive funds for our clients. We use Exchange Traded Funds (ETFs) and passive mutuals. Read this magazine article HERE to find out more.

Portfolio Bond. Strictly not an investment product per se but a tool that goes hand-in-hand with offshore investments. High networth individuals frequently purchase offshore investment products in their own name thus creating a very serious problem in their after life – probate process after their death becomes almost impossible and extremely costly due to the need to file probates in all foreign jurisdictions for which their investments are domiciled. We solve this problem through our Portfolio Bond. This is not a Trust. We use the Portfolio Bond to hold all our Index funds and only Accredited Investors are allowed. Existing holdings (e.g. offshore hedge funds, stocks, structured notes) may be transfered to this Portfolio Bond without any selling. However, it is more economical to have a portfolio size of at least S$1 million. (Under Securities and Futures Act, an Accredited Investor is one who has a net asset of $2 million or an income of S$300,000 in the preceding 12 months.)

Non-correlated investment. Not an enitrely new idea, this involves investing in various asset classes so that the overall risk of a portfolio is reduced. Better still, by doing this, the expected return can be increase. Reduction of risk and increasing return is what everybody wants. This is possible using various index funds with low correlation with each other. Read this magazine article HERE on how to do that.