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Asset Management
A wholly owned subsidiary of UCB, it invests alongside UCB and all its investments adopt IFC Performance Standards. It raises funds targeted at large institutional investors who are looking to increase their exposure to emerging markets and who are interested in accessing IFC’s transaction pipeline, investment approach, and track record of superior returns.
[ Ref.: IFC Asset Management Company ]
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Our investment approach is based on rigorous quantitative research and is strongly rooted in objective evidence. We take great care in developing a unique and integrated plan for each individual client that is tailored to their specific needs and objectives. When making investment recommendations, we focus on those aspects of a client’s investment portfolio that we can discreetly control, while seeking to diligently manage risk.
Furthermore, because we don’t generate any commissions or referral fees from the sale of investment products, nor do we have an incentive to sell proprietary or “in-house” funds, we have the freedom to recommend the most appropriate investment options for each client. Said differently, as a Registered Investment Advisor, we have a fiduciary obligation to act in our clients’ best interest in all situations and at all times. Thus, our goals are always aligned with yours.
Developing an initial investment plan requires a comprehensive approach that takes into account numerous aspects of a client’s financial situation beyond their investment portfolio. Thus, we follow a highly structured process that ensures decisions are made based on a clear understanding of a client’s entire financial picture. Changes to a client’s situation are regularly monitored and the process is revisited on an ongoing basis.
The following is a summary of our investment (asset) management process. If you would like more information, or to speak with someone about your specific needs, please call us directly.
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Goals and Objectives
- Develop a mutual understanding of the client’s desired outcomes, including personal, family, multi-generational, philanthropic (philanthropy), and community goals
- Align goals and objectives with the client’s current position and develop plans to achieve the stated goals
- Consider the range of possible outcomes and the resulting impact each might have on the client’s future goals
Research and Due Diligence
- Before making any investment recommendation, we undertake a rigorous research and due diligence process
- Funds and fund management advisor are evaluated on numerous factors, including history, cost, commitment to fund investors, trading/execution, and risk/factor exposure
Portfolio Construction
- Investors deserve an expected return for assuming risk; however, not all risks have an appropriate expected return
- Diversification works, but is often misinterpreted. Thoroughly diversifying a portfolio requires a more advanced understanding and application of risk exposures and correlations. Costs are real and have a significant impact on portfolio performance
- Assets should not be viewed in isolation, but rather from a portfolio perspective
- We construct portfolios to achieve consistent, efficient, cost-effective exposures to desired risk premiums/factors
Tax Management
- Efficiently allocate assets to maximize tax efficiency
- Utilize tax managed and tax aware funds when a client has limited tax-advantaged account space
- Review the tax implications of all portfolio decisions, including trading, rebalancing, and withdrawals
- Coordinate with the client and their tax advisor(s) to make tax-efficient investment decisions, call us directly.
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Risk Management
It has come to be the dominant subject that are concerned by the global traders as the risks seem to grow almost daily. Indeed, the whole financial sector is threatened by significant risks at home and abroad. External risks include wars, crime, poverty, environmental destruction, global warming, political revolution and strife, falling currency values, volatile equity markets, weakening economies, declining sales in key industries, inflation, increasing energy shortages, and even a troubled home mortgage market. To all this circumstance, we may hope for a profound effect as a services financial firm can offer and the profits on future growth for all sorts of eligible clients.
For internal risks (some of them old and some relatively new), these include exposures to loss from such risk dimensions as credit risk, liquidity risk, market and price risk, interest rate risk, sovereign risk, operational risk, currency risk, legal and compliance risks and capital risk
Each of these types of risk above are challenging to our enterprinuar:
- Clearly articulate the risks associated with a client’s investment portfolio
- Take only those investment risks that have a commensurate expected return
- Proactively manage risks that cannot be avoided or diversified away
- Perform a comprehensive analysis of your unique willingness, ability, and need to take risk and recommend an appropriate asset allocation
- Monitor and rebalance the portfolio to maintain appropriate risk exposures
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