Portfolio Management Services (PMS)

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Portfolio Management Services (PMS)"

Transcription

1 Portfolio Management Services (PMS) "Investment is a Dynamic Process where the Key is not just Earn Return on Investments But Earn Superior Return from Opportunities that Meets your Aspiration" Kriti Capital & Investments Ltd. (Kriti Capital) assists Savers to be Smart Investors who opt for higher return on their investments. Investors should be able to maximize returns but minimize risks. Kriti Capital as a Portfolio Manager will work diligently with Individual Clients to provide active investments strategy that ensures that the interests of the Clients are met and return on investments optimized. The portfolio team at Kriti Capital will help you choose among three different unique services that are best suited to your needs and interests. Firstly we identify and analyze your needs, and then we define your objectives and set out a strategy. Through regular updates you can redefine your management objectives and/or amend your risk profile at any time. Through our dedicated investment platform and our open architecture philosophy, you can build your portfolio from a range of asset classes across all markets. These services vary depending on the degree of involvement you want to have in terms of managing your investments.

2 Discretionary Portfolio Management The Discretionary Portfolio Management platform allows you to delegate with total confidence of managing the portion of your investments to us. You define your investment objectives and entrust us with managing your assets according to the strategy selected. Working closely with you, we design your Investment Policy Statement (IPS) that fits your personal needs and objectives, and we ensure it is properly executed and monitored actively. Under this type of service, we have numerous designated as well as tailor-made portfolios to cater to both individual as well as institutional investors. For Individual Investors, we currently have four types of varying portfolios that is suitable for all kinds of clients: a) Kriti Equity Portfolio This product offers an aggressive portfolio with investment only in equities (large cap, mid cap and small cap) for greater return on investment. This portfolio will be diversified across different sectors and focus on greater capital appreciation. This product is suitable for investors who are willing to take higher amount of risks for higher expected returns. 90% - 100% in Equity b) Kriti Blend Portfolio This product offers a balanced portfolio that has a greater focus on increasing value for the client by providing superior risk-adjusted returns and capital appreciation by diversifying across various sectors. This type of portfolio is popular among investors who prefer a portfolio comprising of fixed income assets as well as equities of companies with strong core fundamentals. 60% in Equity 40% in Fixed Income Instruments

3 c) Kriti Sector Portfolio This product offers a portfolio that tracks a certain sector as per client s interest. The active management of the Portfolio Manager works diligently to outperform the benchmark index of the sector. Hence, the portfolio will be structured to provide superior returns over that of the benchmark. Structured as per client s sector preference d) Kriti Customized Portfolio This product offers a customized solution to investing which is designed to meet client s specific needs. This actively managed portfolio aims to maximize returns for clients as per their risk profiles and return expectations. Tailored to client s risk profile & return expectations We also understand that Institutional Investors may have unique requirements that vary with time. To cater to the needs of such investors, we offer a customized portfolio that is flexible and geared to generate optimum output ensuring safety of investments: a) Kriti Institutional Portfolio This product offers a customized solution for institutions which is designed to meet clients specific needs. This actively managed portfolio is diversified to make sure clients receive the best value for their investments. Tailored to client s risk profile & return expectations Minimum Investment Amount: NPR 500,000/- 18 Months Salient Features Actively managed portfolio Aims to maximize returns as per client risk profile Diversified multi-asset portfolio Regular portfolio reviews and adjustments to meet client s needs Personalized online access to browse one's portfolio

4 Non-Discretionary Portfolio Management The Non-Discretionary platform is a unique method of investing where clients have full discretion to instruct investment transactions and tailor their portfolio based on advisory and research services provided by us. We help the clients define long-term investment strategies based on the general investment analysis of the market, conditions and outlook. We also provide information on the market and securities to facilitate investment decisions. The client executes the orders and monitors his/her transactions. We provide our insights, offer bespoke solutions as well as relieve clients of clerical hassles. a) Kriti Non-Discretionary Portfolio Individual Investors This is a product for individual investors where we professionally manage your funds but you have the final say when making any investment decisions. We offer expert researchbased advice and also take away any clerical hassles to make investment management smooth and easy for our clients. Tailored to client s risk profile & return expectations b) Kriti Non-Discretionary Portfolio Institutional Investors This is a product tailored towards business firms and corporations who want certain amount of funds to be managed by professionals, however want to make the final decision regarding investment choices. This platform allows businesses to receive expert advice and research at no extra charge which would help them make sound decisions. Tailored to client s risk profile & return expectations Minimum Investment Amount: NPR 500,000/- 18 Months Salient Features Clients make their own informed decisions on investments Expert opinion and research based advice at no extra charge Transactions to be managed by us Custodial and clerical functions to be handled by us Personalized online access to browse one's portfolio

5 Portfolio Advisory Service Portfolio Advisory Service provides clients who wish to manage their own portfolios but want access to expert advices, research and market information which can help them make wellinformed decisions regarding their investments. The Portfolio Advisory Service allows you to have a direct relationship with a dedicated expert who is available to help you with your investment decisions. Continuous evaluation of market conditions requires time and effort. As part of the advisory service, our experts will dedicate their time to monitor the markets on your behalf and provide you research reports. Charges Charges for providing services shall be as per the fees structure attached.

6 Investment Selection Techniques Fundamental Analysis Fundamental Analysis involves a thorough analysis of a company s historic and present data to decipher trends that help in forecasting future company performance. Fundamental Analysis is more suited to long-term investing because the market value of an asset might be distorted. Technical Analysis Technical Analysis incorporates information, such as past prices and volume, generated from market activity to predict short-term movements in the market. Market Information Although Fundamental and Technical Analysis will provide most of the information required, certain situations might arise wherein reality diverts from theoretical expectations. In such instances, incorporating information and sentiments from the market will provide us with much needed guidance to model such market. Transaction Management Efficiency Every transaction must be weighted for its costs and benefits; not only for that transaction but with respect to the entire portfolio. Existing cost and tax structures and proposed changes (if any) are taken into consideration before making any decision regarding transactions. Stock Picking Restrictions Make sure to avoid picking stocks that are prohibited by regulatory requirements for example of prohibition of cross-holdings in the same industry. Relative Pricing Pricing and expectations are compared with those in the industry to gauge market sentiments regarding the company and its brand value. Matching Risk and Return Requirement Greater the risk, greater should be the required return. Our investment philosophy is to ascertain the level of risk you are comfortable with and provide the maximum return possible for the level of risk.

7 Investment Procedures Completion of the Application Letter An application form is a form that needs to be filled that pan out details about the client and is in compliance to the Know Your Customer norms. Investment Management Agreement An investment management agreement is a contractual agreement between a client and a portfolio manager stating the terms and conditions applied to manage the stated assets. The client and portfolio manager must sign the investment management agreement. Signing of this agreement will provide the portfolio manager with the legal right to manage the client portfolio. Investment Management Agreement outlines the investment objective, investment tenure and benchmark/hurdle rate. Investment Policy Statement Investment Policy statement is a document drafted between a portfolio manager and a client that outlines general rules for the portfolio manager. This statement provides the general investment goals and objectives of a client and describes the strategies that the manager should employ to meet these objectives. Specific information on matters such as asset allocation, risk tolerance, and liquidity requirements would also be included in this document. The portfolio manager and the client both must sign the investment policy statement. Implementation of Internal operation modality with strong adherence to Code of Ethics Our ethical code is modeled on CFA institute Ethical Code of Conduct. Any issues regarding conflict of interest while managing the client portfolio will be resolved by our internal ethical code of conduct. Separate portfolio account to be opened with bank advised by Kriti Capital through tripartite agreement A separate account should be opened by Kriti Capital on behalf of the client, for this purpose a tripartite agreement should be signed, parties involved in that agreement will be, Kriti Capital, client and bank (advised by Kriti). This agreement will provide Kriti Capital (portfolio manager) the right to operate the portfolio bank account of client as per the requirement of the managed portfolio. KYC Form Know Your Customer Form to be filled by the Applicants for opening an account at the Bank or Financial Institutions.

8 Why PMS at Kriti Capital? Diligence We have qualified and skilled team of portfolio manager and analysts with proprietary analytical tools to assist you for Smarter Investments. All the team members are financial professional that pool their expertise for the better understanding of the market. The team has cumulative market experience of more than 20 years in the Capital Markets of Nepal and abroad. With tie ups with other market intermediaries we constantly follow markets through fundamental analysis, technical analysis and market sentiments. Customized With our customized facilities, you are not limited to simple conventional products. In addition to our numerous portfolio products, we can customize a unique portfolio for each individual or business based on the needs and expectations of each client. With such services, we ensure clients the complete satisfaction of finding the right solution to meet their objectives or aspirations. Privilege With our privilege service, you can have regular meetings with a dedicated manager on a 1-on-1 basis who will explain investment choices made according to market activity; enabling you to follow the performance of your portfolio more closely. Shared Vision Understanding our client s needs and expectations is very important to us. And meeting your needs and expectation would be our goal. You will receive regular updates with clear and detailed information about your portfolio. With ample information, we can devise strategies to your benefit which will be actively reviewed and managed. You will be kept informed of any significant change in the strategic allocation of your portfolio, and important decisions concerning the management of your portfolio.

9 Kriti Capital & Investments Ltd. Kriti Capital & Investments Ltd. is the licensed merchant banker as per the Merchant Bankers Regulation, 2007 to provide Portfolio Management Services. Kriti Capital & Investments Ltd. is a public limited company established by a group of professionals who have realized the need and understood the benefits of institutionalizing investment banking services in Nepal. Established with the motto of creating growth opportunities, Kriti Capital and Investments Limited aims to provide an efficient and effective medium for capital mobilization to earn superior return on capital. On the backdrop of creating superior financial return, Kriti Capital aspires to promote entrepreneurial and innovative initiatives and opportunities for committed and dynamic entrepreneurs. Kriti Capital extends wide and seasoned experience of its professional management, both in the local market as well as the international market, for the benefit of its client. For details of services provided by Kriti Capital please visit Contact Us Mathuri Sadan, 6 th Floor, Ganeshman Singh Path 1113 Ravibhawan, Kathmandu, Nepal Tel: , Kriti Capital & Investments Ltd. is the merchant banker licensed from Securities Board of Nepal to provide Portfolio Management Services

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5 Vancity Investment Management provides you with direct access to an experienced, dedicated Portfolio Manager who will actively monitor and professionally manage your account. Thank you for taking the time

More information

Private Wealth Management Mutual Fund Solution

Private Wealth Management Mutual Fund Solution Private Wealth Management Mutual Fund Solution A Step-by-Step Guide to Investment Success In Collaboration with Portfolio Resources Group, Inc. The Strategic Approach to Building Mutual Fund Portfolios

More information

Investment management. Tailor-made investment solutions

Investment management. Tailor-made investment solutions Investment management Tailor-made investment solutions ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years. We look after more

More information

Mutual Fund Advisory Program

Mutual Fund Advisory Program Mutual Fund Advisory Program GIVING YOU ACCESS TO A WIDE RANGE OF PROFESSIONALLY MANAGED MUTUAL FUND PORTFOLIOS THE MUTUAL FUND ADVISORY PROGRAM OFFERS YOU: > Access to actively managed investment solutions

More information

MANAGER SELECT. live your. dream. By Implementing Sophisticated Investment Strategies

MANAGER SELECT. live your. dream. By Implementing Sophisticated Investment Strategies MANAGER SELECT live your dream By Implementing Sophisticated Investment Strategies Maximize the Value of Your Assets Your Total Wealth Management Strategy Full-time professional supervision Disciplined

More information

INVESTMENT POLICY STATEMENT

INVESTMENT POLICY STATEMENT INVESTMENT POLICY STATEMENT I. EXECUTIVE SUMMARY The Investment Policy Statement ( IPS ) has been adopted by the Board of Directors ( Board ) of Gompers Habilitation Center to direct the prudent oversight

More information

Global Asset Management

Global Asset Management Global Asset Management Building on a rich history Stability. Integrity. Experience. Client Service. These are essential qualities in an asset management team qualities that characterize the Clarien Bank

More information

THE ORBITEX DIFFERENCE

THE ORBITEX DIFFERENCE ORBITEX CREATES FINANCIAL SOLUTIONS FOR DISCERNING CLIENTS ORBITEX Financial Services Group is a financial services firm providing clients worldwide with a full range of investment opportunities, including

More information

Retirement Plans Investment Policy Statement

Retirement Plans Investment Policy Statement Retirement Plans Investment Policy Statement Adopted on August 18, 2015 Effective Date: August 1, 2015 INTRODUCTION Central Michigan sponsors a 403(b) and a 457(b) Retirement Plan (the Plans ) for the

More information

FIDUCIAN AUSTRALIAN SHARES FUND

FIDUCIAN AUSTRALIAN SHARES FUND PRODUCT DISCLOSURE STATEMENT FIDUCIAN AUSTRALIAN SHARES FUND ARSN 093 542 271 2 MARCH 2015 This Product Disclosure Statement (PDS) provides a summary of significant information about the Fiducian Australian

More information

Retirement Connections: A Professionally Managed Solution

Retirement Connections: A Professionally Managed Solution Retirement Connections: A Professionally Managed Solution Expand your practice and build loyalty with an easy-to-use retirement plan for your small business clients For Financial Advisor use only. Not

More information

The path to financial independence. SM. Wealth Management Services

The path to financial independence. SM. Wealth Management Services The path to financial independence. SM Wealth Management Services 1 st Portfolio s integrated services featuring Wealth Connect TM are custom-built to address the unique needs of wealthy individuals and

More information

British heritage, Swiss know-how

British heritage, Swiss know-how British heritage, Swiss know-how Barclays recent awards Best Private Bank Client Service Highly Commended Foreign Private Bank External Asset Manager Platform Best Overall Private Bank - UK 2016 2016 2015

More information

J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com.

J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com. J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com March 31, 2015 This brochure provides information about the qualifications and business

More information

A Guide to Hargreave Hale Portfolio Management Services

A Guide to Hargreave Hale Portfolio Management Services A Guide to Hargreave Hale Portfolio Management Services Need some help? Please contact your local office if you have any questions: London 020 7009 4900 Blackpool 01253 621 575 Bangor 01248 353 242 What

More information

What is an Investment Adviser?

What is an Investment Adviser? What is an Investment Adviser? Legal Definition. Investment adviser is a legal term that appears in the Investment Advisers Act of 1940, the federal law that governs investment advisers. Generally, this

More information

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies.

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. INSTITUTIONAL TRUST & CUSTODY Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. As one of the fastest growing investment managers in the nation, U.S.

More information

Decision of the Board of Directors of the Investment Industry Regulatory Organization of Canada

Decision of the Board of Directors of the Investment Industry Regulatory Organization of Canada Decision of the Board of Directors of the Investment Industry Regulatory Organization of Canada IN THE MATTER OF BMO InvestorLine Inc. Application concerning the proposed offering of advicedirect (the

More information

FIDUCIAN TECHNOLOGY FUND

FIDUCIAN TECHNOLOGY FUND PRODUCT DISCLOSURE STATEMENT FIDUCIAN TECHNOLOGY FUND ARSN 093 544 337 2 MARCH 2015 This Product Disclosure Statement (PDS) provides a summary of significant information about the Fiducian Technology Fund

More information

IPS RIA, LLC CRD No. 172840

IPS RIA, LLC CRD No. 172840 IPS RIA, LLC CRD No. 172840 ADVISORY CLIENT BROCHURE 10000 N. Central Expressway Suite 1100 Dallas, Texas 75231 O: 214.443.2400 F: 214-443.2424 FORM ADV PART 2A BROCHURE 1/26/2015 This brochure provides

More information

Early on, your needs were simple. The memory of

Early on, your needs were simple. The memory of Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.

More information

Harmonic Investment Advisors

Harmonic Investment Advisors Item 1 Cover Page Harmonic Investment Advisors 1020 W. Main Ave Ste 480 Boise, ID 83702 P: 208-947-3345 F: 208-947-9039 Website: Harmonicadvisors.com This brochure provides information about the qualifications

More information

MLC MasterKey Unit Trust Product Disclosure Statement (PDS)

MLC MasterKey Unit Trust Product Disclosure Statement (PDS) MLC MasterKey Unit Trust Product Disclosure Statement (PDS) Preparation date 1 July 2014 Issued by MLC Investments Limited (MLC) ABN 30 002 641 661 AFSL 230705 This information is general and doesn t take

More information

Investment Education Series

Investment Education Series Investment Education Series Types of Investment Funds Introduction Investment fund basically refers to a pool of funds, but our focus in this edition of GTBAM education series is to highlight the features,

More information

PROPOSED NEW RULES AND AMENDMENTS TO THE SEC RULES AND REGULATIONS A. PROPOSED RULES ON FUND/PORTFOLIO MANAGEMENT OPERATIONS

PROPOSED NEW RULES AND AMENDMENTS TO THE SEC RULES AND REGULATIONS A. PROPOSED RULES ON FUND/PORTFOLIO MANAGEMENT OPERATIONS PROPOSED NEW RULES AND AMENDMENTS TO THE SEC RULES AND REGULATIONS A. PROPOSED RULES ON FUND/PORTFOLIO MANAGEMENT OPERATIONS 1 DEFINITIONS: Within the context of this part of the Rules the following terms

More information

BKS Investment Services, Inc. Registered Investment Advisor 1105 E. Hampton Ozark, MO 65721-8010

BKS Investment Services, Inc. Registered Investment Advisor 1105 E. Hampton Ozark, MO 65721-8010 BKS Investment Services, Inc. Registered Investment Advisor 1105 E. Hampton Ozark, MO 65721-8010 Tel: 816-436-6373 Email: bksinvest1@gmail.com Website: www.bksinvest.com Firm Form ADV Part 2A 07/07/2015

More information

ASSANTE OPTIMA STRATEGY

ASSANTE OPTIMA STRATEGY ASSANTE OPTIMA STRATEGY At Assante Wealth Management, we believe that an integrated approach to managing your wealth is a better approach. ASSANTE OPTIMA STRATEGY: A BETTER WAY Are you well invested? Wondering

More information

Private Banking PRIVATE BANKING

Private Banking PRIVATE BANKING Private Banking PRIVATE BANKING Our clients can take advantage of our global expertise in private banking, investment banking and asset management to fulfil their financial needs. Private Banking Introducing

More information

Your Investment Policy Statement. Your Investor Profile

Your Investment Policy Statement. Your Investor Profile Your Investment Policy Statement Date: 03/21/10 Prepared for : John Sample Address: Province: Postal Code: 123 Any Street Ontario A1B 2C3 Phone: (123) 456-7890 Prepared by: Dealer Address: Province: Postal

More information

Portfolio Manager. It s About You. What is Portfolio Management? What is the role of the Portfolio Manager? Portfolio Manager

Portfolio Manager. It s About You. What is Portfolio Management? What is the role of the Portfolio Manager? Portfolio Manager Portfolio Manager It s About You The Portfolio Manager role is typically well suited to people who like to:! Use their quantitative mindsets.! Make important financial decisions.! Think strategically.!

More information

Firm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc.

Firm Brochure (Part 2A of Form ADV) The Asset Advisory Group, Inc. Firm Brochure (Part 2A of Form ADV) 9200 Montgomery Road Cincinnati, Ohio 45242 (513) 771-7222 (888) 234-7982 www.taaginc.com info@taaginc.com This brochure provides information about the qualifications

More information

Dartmouth College Endowment Investment Policy Statement Updated August 2013

Dartmouth College Endowment Investment Policy Statement Updated August 2013 Introduction and Purpose of the Endowment This Investment Policy Statement ( IPS ) applies to the endowment of Dartmouth College (the College ), referred to throughout this document as the Total Return

More information

FORM ADV PART 2 Brochure

FORM ADV PART 2 Brochure FORM ADV PART 2 Brochure Guardian Wealth Management, Inc. 311 SW Water Street Suite 210 Peoria, IL 61602 309/692 1460 Email: info@gwmanagers.com Website: www.gwmanagers.com March 31, 2015 This brochure

More information

ANTHEM PARKSIDE COMMUNITY ASSOCIATION INVESTMENT POLICY

ANTHEM PARKSIDE COMMUNITY ASSOCIATION INVESTMENT POLICY ANTHEM PARKSIDE COMMUNITY ASSOCIATION INVESTMENT POLICY STATEMENT OF PURPOSE This policy is to be used for purposes which the Anthem Parkside Community Association (APCA) Board deems beneficial to the

More information

Our primary objective is to focus on your financial goals

Our primary objective is to focus on your financial goals Our primary objective is to focus on your financial goals Introduction For our private investor clients, finding the right financial solutions has never been more important. The Global Financial Crisis

More information

Nonprofit management. An integrated approach to helping you fulfill your mission

Nonprofit management. An integrated approach to helping you fulfill your mission Nonprofit management An integrated approach to helping you fulfill your mission Institutional Investments & Philanthropic Solutions (II&PS) is part of U.S. Trust, Bank of America Corporation (U.S. Trust).

More information

ASSET A G U I D E TO O U R G LO BA L

ASSET A G U I D E TO O U R G LO BA L S A N TA N D E R ASSET M A N AG E M E N T A G U I D E TO O U R G LO BA L I N V E S T M E N T C A PA B I L I T I E S WITH LOCAL KNOWLEDGE Q 01 OVERVIEW Santander Asset Management is an independent, global

More information

Investment Management for Charities

Investment Management for Charities Investment Management for Charities www.bham.co.uk Although no two charities are the same, many face similar challenges in managing their finances to achieve the best results for the causes they support.

More information

Guide to Separately Managed Accounts

Guide to Separately Managed Accounts Guide to Separately Managed Accounts Tools to Better Shape Your Investment Future Not FDIC Insured May Lose Value No Bank Guarantee I N V E S T M E N T M A N AG E M E N T voyainvestments.com VoyaTM Investment

More information

Additional information about TPW Financial also is available on the SEC s website at www.adviserinfo.sec.gov.

Additional information about TPW Financial also is available on the SEC s website at www.adviserinfo.sec.gov. The Program Works, Inc. (dba TPW Financial) 450 Lexington Street, Suite 203 Newton, MA 02466 Contact: Chitra R. Staley, CEO&CIO 617-614-9889 cstaley@tpwfinancial.com www.tpwfinancial.com Date of Brochure:

More information

INVESTMENT POLICY STATEMENT Valued Client

INVESTMENT POLICY STATEMENT Valued Client INVESTMENT POLICY STATEMENT Valued Client August 17, 2010 PREPARED BY: John Ohl Bay Colony Advisors 91 Main St STE 308 Concord, Massachusetts 01742 (978) 369-7200 John@baycolonyadvisors.com www.baycolonyadvisors.com

More information

To have the ability to pay all benefits obligations when requested.

To have the ability to pay all benefits obligations when requested. INVESTMENT POLICY STATEMENT FOR: Alliance Benefit Group Health Savings Account Program I. GENERAL Purpose and Overview The Alliance Benefit Group Health Savings Account Program ( Program ) was established

More information

Waterstone Advisors, LLC

Waterstone Advisors, LLC ITEM 1 COVER PAGE Firm Brochure (Form ADV Part 2A) 10 Brook Street Walpole, MA 02081 978-828-2188 vha@waterstoneadvisors.net March 18, 2014 This brochure provides information about the qualifications and

More information

Our approach to managing money for charities / CHARITIES

Our approach to managing money for charities / CHARITIES Our approach to managing money for charities / CHARITIES Highlights Specialist charity teams across the UK Direct relationship Discretionary portfolio Active management No in-house funds Professional investment

More information

Investment Philosophy

Investment Philosophy Investment Philosophy Our unique approach to investment management puts you at the heart of everything we do Wealth and Investment Management Discover a new side to your personality: your investment self

More information

Separately managed accounts

Separately managed accounts FOR INSTITUTIONAL/WHOLESALE/PROFESSIONAL CLIENTS AND QUALIFIED INVESTORS ONLY - NOT FOR RETAIL USE OR DISTRIBUTION Separately managed accounts A J.P. Morgan Global Liquidity solution Separately managed

More information

INVESTMENT SOLUTIONS. premier asset managers individual investment strategies continuous portfolio monitoring

INVESTMENT SOLUTIONS. premier asset managers individual investment strategies continuous portfolio monitoring INVESTMENT SOLUTIONS premier asset managers individual investment strategies continuous portfolio monitoring An investment solution to meet your unique needs You have a vision of the future. We build customized

More information

MACKENZIE PRIVATE WEALTH COUNSEL

MACKENZIE PRIVATE WEALTH COUNSEL MACKENZIE PRIVATE WEALTH COUNSEL PORTFOLIO ARCHITECTURE SERVICE INVESTMENT PHILOSOPHY Mackenzie Private Wealth Counsel Portfolio Architecture Service Investment Philosophy THE IMPORTANCE OF ASSET ALLOCATION

More information

Investment Services. Wealth and Investment Management

Investment Services. Wealth and Investment Management Investment Services Wealth and Investment Management Contents Important information 3 A better vantage point for a clearer picture 5 Investment Philosophy 7 Investment Services 9 Advisory Services 10 Discretionary

More information

Specialized Content for Investment Advisors Marketing Tools

Specialized Content for Investment Advisors Marketing Tools Specialized Content for Investment Advisors Marketing Tools Table of Contents INTRODUCTION... 2 OUR APPROACH... 2 What we will do for you: Understand, Plan, Act and Monitor... 3 THE NATIONAL BANK FINANCIAL

More information

OUR SERVICES. private clients. CityAsset MANAGEMENT PLC

OUR SERVICES. private clients. CityAsset MANAGEMENT PLC CityAsset MANAGEMENT PLC OUR SERVICES private clients The value of investments and the income arising from them, can go down as well as up, and is not guaranteed, which means that you may not get back

More information

Investment Strength and Flexibility. Principal Trust Target Date Funds

Investment Strength and Flexibility. Principal Trust Target Date Funds Investment Strength and Flexibility SM Principal Trust Target Date Funds A Target Date Investment Option for You and Your Participants Now more than ever, your employees are searching for efficient ways

More information

Investment Account Application

Investment Account Application Social Housing Investment Funds Investment Account Application Before you send us your investment account application, please ensure you have: Attached a completed Resolution of Directors form (Section

More information

ZACKS INVESTMENT MANAGEMENT. Personalized Wealth Management INDEPENDENT. Research Thinking Results

ZACKS INVESTMENT MANAGEMENT. Personalized Wealth Management INDEPENDENT. Research Thinking Results ZACKS INVESTMENT MANAGEMENT Personalized Wealth Management INDEPENDENT Research Thinking Results ZACKS INVESTMENT MANAGEMENT HIGHLIGHTS: ZACKS INVESTMENT MANAGEMENT HAS A RESPECTED TRACK RECORD OF EXCEPTIONAL

More information

i-cthru Inc. Form ADV Part 2A Client Brochure

i-cthru Inc. Form ADV Part 2A Client Brochure i-cthru Inc. Tamarind Hill Road 33 Upper Prince s Quarter Saint Maarten, Dutch Caribbean Mailing address 1562 First Ave # 205-2863 New York, NY 10028-4004 USA http://www.i-cthru.com Form ADV Part 2A Client

More information

The Cadence Approach to Strategic Beta Investing

The Cadence Approach to Strategic Beta Investing Cadence Capital Management 265 Franklin Street, 4th Floor Boston, MA 02110 617-624-3500 cadencecapital.com The Cadence Approach to Strategic Beta Investing Contents An Introduction to Strategic Beta Specific

More information

Disclosure Brochure March 2015. This brochure is dated March 19, 2015.

Disclosure Brochure March 2015. This brochure is dated March 19, 2015. Stratton Management Company Form ADV Part 2A Disclosure Brochure March 2015 Institutional & Individual Asset Management 150 S. Warner Road, Suite 460 King of Prussia, PA 19406 Telephone: 800-578-8261 Website:

More information

Building Your Municipal Investment Policy

Building Your Municipal Investment Policy An investment policy must be developed and adopted prior to investment in the prescribed securities as per Ontario Regulation 438/97, Section 7. The council of the municipality must consider a number of

More information

BT Balanced Equity Income Fund

BT Balanced Equity Income Fund BT Balanced Equity Income Fund Product Disclosure Statement (PDS) Issued 26 September 2012 Contents 1 About BT Investment Management (RE) Limited 2 How the BT Balanced Equity Income Fund works 3 Benefits

More information

Clear Perspectives Financial Planning, LLC Firm Brochure

Clear Perspectives Financial Planning, LLC Firm Brochure Clear Perspectives Financial Planning, LLC Firm Brochure This brochure provides information about the qualifications and business practices of Clear Perspectives Financial Planning, LLC. If you have any

More information

Consulting Group: An Introduction

Consulting Group: An Introduction 2 Disciplined Investment Process 3 Investment Advisory Programs 5 Global Resources, Local Perspective product consulting group Consulting Group: An Introduction summary The last several years have proven

More information

SEI Aggressive Global Equity Portfolio

SEI Aggressive Global Equity Portfolio SEI Aggressive Global Equity Portfolio Investment Policy Statement INTRODUCTION An Investment Management Program will determine the right mix of investments for your personal situation in order to meet

More information

Retirement Funding Advisors, Inc. 8031 M-15 Clarkston, MI 48348 248-620-8035

Retirement Funding Advisors, Inc. 8031 M-15 Clarkston, MI 48348 248-620-8035 Firm Brochure (Form ADV Part 2A) Retirement Funding Advisors, Inc. 8031 M-15 Clarkston, MI 48348 248-620-8035 May 31, 2011 This brochure provides information about the qualifications and business practices

More information

PORTFOLIO MANAGEMENT AT BCEE

PORTFOLIO MANAGEMENT AT BCEE PRIVATE BANKING PORTFOLIO MANAGEMENT AT BCEE Contents BCEE in brief 5 Your needs 7 Discretionary Portfolio Management 9 The philosophy 10 Attentive to your needs 12 Our skills at your service 13 Customised

More information

LPL FINANCIAL RESEARCH LPL FINANCIAL. LPL Financial Research. advancing. your perspective FOCUSED ON DELIVERING SUPERIOR INVESTMENT ADVICE

LPL FINANCIAL RESEARCH LPL FINANCIAL. LPL Financial Research. advancing. your perspective FOCUSED ON DELIVERING SUPERIOR INVESTMENT ADVICE LPL FINANCIAL LPL Financial Research advancing your perspective FOCUSED ON DELIVERING SUPERIOR INVESTMENT ADVICE Our mission is to offer the best advice, tools, and resources available to help your advisor

More information

AMERICAN REGISTRY OF INTERNET NUMBERS INVESTMENT POLICY STATEMENT January 2014

AMERICAN REGISTRY OF INTERNET NUMBERS INVESTMENT POLICY STATEMENT January 2014 AMERICAN REGISTRY OF INTERNET NUMBERS INVESTMENT POLICY STATEMENT January 2014 Introduction This statement of investment policy has been adopted by the Board of Trustees of the American Registry of Internet

More information

Managed Funds Series

Managed Funds Series Managed Funds Series Namibia s Unit Trust Market Leader 2 - Managed Funds Index 4 Introduction Fund Categories 5 Asset Classes 6 Portfolio Construction 7 Investment Approach 8 Investment Process 9 Our

More information

Fiduciary Asset Management. A Discretionary Investment Management Solution

Fiduciary Asset Management. A Discretionary Investment Management Solution Fiduciary Asset Management A Discretionary Investment Management Solution 01 / MORGAN STANLEY The Fiduciary Asset Management program is designed to provide a customized, discretionary solution to help

More information

INVESTMENT POLICY April 2013

INVESTMENT POLICY April 2013 Policy approved at 22 April 2013 meeting of the Board of Governors (Minute 133:4:13) INVESTMENT POLICY April 2013 Contents SECTION 1. OVERVIEW SECTION 2. INVESTMENT PHILOSOPHY- MAXIMISING RETURN SECTION

More information

STATEMENT OF INVESTMENT POLICY, OBJECTVES AND GUIDELINES FOR THE MINERALS, METALS AND MATERIALS SOCIETY

STATEMENT OF INVESTMENT POLICY, OBJECTVES AND GUIDELINES FOR THE MINERALS, METALS AND MATERIALS SOCIETY STATEMENT OF INVESTMENT POLICY, OBJECTVES AND GUIDELINES FOR THE MINERALS, METALS AND MATERIALS SOCIETY It is intended that this statement be reviewed and updated at least annually. Any change to the policy

More information

You, Your Advisor & Retirement Management Systems

You, Your Advisor & Retirement Management Systems Savings Plan Management An asset allocation and rebalancing program for your company-sponsored retirement account. You, Your Advisor & Retirement Management Systems Saving for Retirement Through Your Employer-Sponsored

More information

Guide to mutual fund investing. Start with the basics

Guide to mutual fund investing. Start with the basics Guide to mutual fund investing Start with the basics Pursue your financial goals Why do you invest? For a rainy day? A secure retirement? Funding a college tuition? Having a specific goal in mind will

More information

Investment Management. Masters Funds

Investment Management. Masters Funds Investment Management Masters Funds Research Publishing Founding Partners: Craig Litman and Ken Gregory A CULTURE OF INTEGRITY AND EXCELLENCE We believe our most valuable assets are the people that make

More information

Custom Target Date Funds

Custom Target Date Funds Custom Target Date Funds Assessing the Best Fit IN BRIEF October 2013 Authored by Fred Reish and Joan Neri Target date funds are a popular plan investment option. The recent DOL guidance says that plan

More information

AMP Capital Equity Fund. Product Disclosure Statement Platform (Class A units)

AMP Capital Equity Fund. Product Disclosure Statement Platform (Class A units) AMP Capital Equity Fund Product Disclosure Statement Platform (Class A units) Issued 20 December 2013 Issued by AMP Capital Funds Management Limited ABN 15 159 557 721 AFSL 426455 AMP Capital Equity Fund

More information

Separately Managed Accounts:

Separately Managed Accounts: 2016 Separately Managed Accounts: A detailed look at a professionally managed investment program for higher-net-worth clients. Executive Summary Investors can get access to professional money managers

More information

THAMESIDE financial planning

THAMESIDE financial planning THAMESIDE financial planning OUR INVESTMENT APPROACH UNDERSTANDING INVESTMENT RISK An overview Thameside Financial Planning recognises the importance of working with you to understand, achieve and maintain

More information

Part 2A of Form ADV: Firm Brochure

Part 2A of Form ADV: Firm Brochure Part 2A of Form ADV: Firm Brochure Item 1 Cover Page ADVISORY PROGRAM BROCHURE For CROWN CAPITAL MANAGEMENT LLC 15851 Dallas Parkway, Suite 600 Addison, TX 75001 (972) 272-2000 www.crowncm.com This brochure

More information

CONSIDERING INVESTMENT RISK A guide to investing for your future

CONSIDERING INVESTMENT RISK A guide to investing for your future CONSIDERING INVESTMENT RISK A guide to investing for your future Award Winning Wealth Management CONTENTS 1 2 Introduction What does Investing mean? 05 07 3 Understanding your Needs and Requirements 08

More information

INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING. Making your business our business

INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING. Making your business our business INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING Making your business our business About Us Cockburn Lucas IFC Limited was established in 1997 to provide

More information

The Master Statement of Investment Policies and Objectives of The Lower Colorado River Authority Retirement Plan and Trust. Amended June 16, 2015

The Master Statement of Investment Policies and Objectives of The Lower Colorado River Authority Retirement Plan and Trust. Amended June 16, 2015 The Master Statement of Investment Policies and Objectives of The Lower Colorado River Authority Retirement Plan and Trust Amended June 16, 2015 Introduction The Lower Colorado River Authority ( LCRA )

More information

Renaissance Charitable Foundation Inc.

Renaissance Charitable Foundation Inc. Charitable Foundation Inc. Revised July 2008 I. Statement of Purpose The intent of this is to establish guidelines that will govern the investment activities of ( RCF ) and any Registered Investment Advisor

More information

DIGITAL WEALTH MANAGEMENT FOR MASS-AFFLUENT INVESTORS

DIGITAL WEALTH MANAGEMENT FOR MASS-AFFLUENT INVESTORS www.wipro.com DIGITAL WEALTH MANAGEMENT FOR MASS-AFFLUENT INVESTORS Sasi Koyalloth Connected Enterprise Services Table of Contents 03... Abstract 03... The Emerging New Disruptive Digital Business Model

More information

Pension Fund Association Statement of Investment Policy

Pension Fund Association Statement of Investment Policy Formulated on August 1, 2006 Revised on November 26, 2014 Pension Fund Association Statement of Investment Policy The Pension Fund Association (hereinafter referred to PFA ) sets out the policy for investment

More information

P.O Box: 2152 Safat, Kuwait www.dimah.com.kw

P.O Box: 2152 Safat, Kuwait www.dimah.com.kw T +965 1844 000 +965 2295 5700 F +965 2241 4270 E info@dimah.com.kw P.O Box: 2152 Safat, Kuwait www.dimah.com.kw Khaled Bin Al Waleed St Al Dhow Tower, Floor 26-27 Contents. Dimah Capital. Our Mission.

More information

Our Investment Philosophy and Key Principles

Our Investment Philosophy and Key Principles Investment Service Solution for Financial Advisers Our Investment Philosophy and Key Principles Our aim is to achieve investment performance which protects and enhances your clients real wealth over time,

More information

Investment for charities. Good thinking. Well applied.

Investment for charities. Good thinking. Well applied. Investment for charities Good thinking. Well applied. 1 2 Balancing capital preservation and income generation Royal London Asset Management (RLAM) has around 200 charity clients from a wide variety of

More information

SWAPS AND DERIVATIVES

SWAPS AND DERIVATIVES PRACTICE NOTE ON SWAPS AND DERIVATIVES PN/01J2014 (Issued under section 7(1) of the Financial Services Act 2007) Issued on 01 October 2014 CONTENTS Introduction... 2 PART I: Explanatory Notes: Swaps and

More information

WEALTH MANAGEMENT & ADVISORY SERVICES. Stability. Integrity. Expertise.

WEALTH MANAGEMENT & ADVISORY SERVICES. Stability. Integrity. Expertise. WEALTH MANAGEMENT & ADVISORY SERVICES Stability. Integrity. Expertise. A Proven Strategy for Investment Success Best-of-Class We are not restricted by offering proprietary products or holding an inventory

More information

T. Rowe Price Wholesale Plus Global Equity Fund

T. Rowe Price Wholesale Plus Global Equity Fund T. Rowe Price Wholesale Plus Global Equity Fund Product Disclosure Statement ( PDS ) Issued 10 August 2015 ARSN 602 109 357 APIR BTA0538AU Contents 1. About BT Funds Management Limited 2 2. How the Fund

More information

Danison & Associates, Inc. 2150 Tremont Center Columbus, Ohio 43221 (614)-487-6040 March 31, 2011

Danison & Associates, Inc. 2150 Tremont Center Columbus, Ohio 43221 (614)-487-6040 March 31, 2011 Item 1 Cover Page Danison & Associates, Inc. 2150 Tremont Center Columbus, Ohio 43221 (614)-487-6040 March 31, 2011 This Brochure provides information about the qualifications and business practices of

More information

SEIA SIGNATURE ESTATE & INVESTMENT ADVISORS, LLC. Signature Allocation Series Signature Elite

SEIA SIGNATURE ESTATE & INVESTMENT ADVISORS, LLC. Signature Allocation Series Signature Elite SEIA SIGNATURE ESTATE & INVESTMENT ADVISORS, LLC Signature Allocation Series Signature Elite ABOUT SEIA Successful wealth management is the result of an ongoing collaboration between investor and advisor,

More information

GLOBAL INVESTMENT PORTFOLIO CONSTRUCTION AND MANAGEMENT @THE BIBF DEALING ROOM

GLOBAL INVESTMENT PORTFOLIO CONSTRUCTION AND MANAGEMENT @THE BIBF DEALING ROOM GLOBAL INVESTMENT PORTFOLIO CONSTRUCTION AND MANAGEMENT @THE BIBF DEALING ROOM Leading Excellence in Banking & Finance OUR PARTNERS CapitalWave provides truly dynamic educational simulation training platforms.

More information

GeoWealth Management, LLC. 444 N. Michigan Avenue, Suite 820 Chicago, IL 60611. March 2015

GeoWealth Management, LLC. 444 N. Michigan Avenue, Suite 820 Chicago, IL 60611. March 2015 FORM ADV PART 2A: Firm Brochure GeoWealth Management, LLC 444 N. Michigan Avenue, Suite 820 Chicago, IL 60611 March 2015 CRD 148222 This (the Brochure ) provides information about the qualifications and

More information

INVESTMENT POLICY STATEMENT

INVESTMENT POLICY STATEMENT INVESTMENT POLICY STATEMENT Investment Options Dated : August 2015 Profile Name United Bank of Michigan 900 East Paris Avenue SE Grand Rapids, MI 49546 Primary Contact Eric Soya 616.559.4534 Advisor Devenir

More information

CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM INNOVATION PORTFOLIO POLICY

CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM INNOVATION PORTFOLIO POLICY CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM INNOVATION PORTFOLIO POLICY INVESTMENT BRANCH April 2016 O. Innovation Portfolio Policy EXECUTIVE SUMMARY In accordance with the CalSTRS Investment Policy and

More information

Discretionary Wealth Management

Discretionary Wealth Management Discretionary Wealth Management Specialist, Focused, Committed Using experience and expertise to invest for your future Contents 1 The practical importance of wisdom 2 Introduction to Discretionary Wealth

More information

Working in partnership for the benefit of your clients For professional advisers only

Working in partnership for the benefit of your clients For professional advisers only Multi-asset portfolio management services for financial advisers Working in partnership for the benefit of your clients For professional advisers only Contents Welcome to Ashcourt Rowan 1 Risk driven,

More information

MANAGED PORTFOLIO ACCOUNT WRAP FEE PROGRAM BROCHURE HSBC GLOBAL ASSET MANAGEMENT (USA) INC.

MANAGED PORTFOLIO ACCOUNT WRAP FEE PROGRAM BROCHURE HSBC GLOBAL ASSET MANAGEMENT (USA) INC. 1 Form ADV Part 2A Appendix 1 MANAGED PORTFOLIO ACCOUNT WRAP FEE PROGRAM BROCHURE HSBC GLOBAL ASSET MANAGEMENT (USA) INC. 452 Fifth Avenue, 7 th Floor New York, NY 10018 Tel: 212-525-5000 Website: www.assetmanagement.hsbc.com/us

More information