Managing your wealth

Factors that can impact and erode your wealth over time

In a global environment where market volatility, political instability and trade wars have become the norm, it’s easy to question whether you have sufficient funds to retire in comfort - ensuring that your children get a good start, and that you leave a legacy for future generations.

When it comes to managing your own wealth, a disrupted environment makes it more challenging to: 

• Compile the right financial plan to match your current and future life stages. 
• Rebalance, monitor and evaluate the risk in your investment portfolio. 
• Ensure your portfolio is highly tax-efficient amid changes to tax laws. 
• Ensure you have sufficient funds set aside for key expenses, such as your children’s education.

Without expert advice to guide you, this exercise can cost you time and potential losses.

How we support your wealth management goals

Using a unique goals-driven investment approach, our Wealth Advisors take a long-term view of your investments, while simultaneously meeting your short-term lifestyle needs.

As your financial partner, we walk the journey alongside you at every stage of your life – giving purpose to your wealth while growing, protecting and preserving it.

The six-dimensions approach to managing your wealth
Together we will build a holistic financial plan with these six unique dimensions to ensure you and your family mitigate against life's unforeseen events. ·

• Create a view of your total wealth framework, not only your financial assets, to determine and select the optimal asset allocation that is most appropriate to meeting your specific goals and objectives, given your time horizon and risk tolerance.
• Limit the deviations from your market portfolio.
• Establish a dynamic withdrawal strategy, revising withdrawal decisions on a regular basis to ensure your portfolio withdrawal amount remains prudent and reasonable, given your expectations on returns and the expected remaining length of your retirement period.
• Incorporate guaranteed income products to your financial plan to minimise risk.
• Ensure your portfolio includes tax-efficient allocation decisions.
• Optimise your portfolio to include a proxy for your implicit and/or explicit liabilities.