There's no time like the present to take a look at your financial picture. Are your investments balanced? As a valued client, you have round the clock access to our investment tools. Whether direct from the trading floor or from our analysis of global financial markets, we will regularly supply you with our advisors' top recommendations.
We specialise in advising and training individuals on personal savings and cash management. For corporates we offer advise on cash management, and effective investment strategy for the short and long term.
Personal finance management
Under this section we advise clients on personal budgeting and saving method that will enable the client not to run out of cash during the month. We also offer a start up package on living on what you earn that will enable that individual to start accumulating savings.
Out of debt
This is for clients who are in debt who have made the intelligent decision of moving out of debt and start living a debt free life. We assist such individuals by talking and advising on the best approach to implement towards a debt free life style.
We also offer this services for a groups in organisation.
It is always good to plan your future or your retirement at an early age. We therefore assist individuals to set up portfolio of assets to hold to ensure that their wealth is increased.
We therefore assist in setting a personal portfolio on interest earning assets. This aligned to the client'ss investment objective; an example would be for someone who wants to get the money at the age of 50, then the portfolio is set on that way. It may also be money savings for a certain portfolio like building a house, the portfolio will be se to that objective.
It should be noted that the company does not take deposits/ money from people, we only offer advice.
We offer a service that will enhance your organisation’s cash management and investment strategy.
Keeping more cash in an operating account can be costly as these accounts earn less or interest. With sophisticated models we assist organisation to keep just what is needed on the operating account to ensure the day to day operational costs for the company are met, at the same time ensuring that just what you do not need is invested in instruments that will optimise returns.
Investment is one of the core businesses of every organisation which deals with how the profits and the cash that is still not yet at work is kept. We assist organisations in defining its investment structure and management by a process defined as strategic asset allocation and investment strategy.
Under this category we assist the organisation to decide on how to distribute their wealth in different asset classes and markets for return optimisation. This involves the tranching of different asset class by striking the balance between risk and return.
We also assist in the formulation of the investment policy for entities, this is a roadmap we will construct with the client to help in deciding on realistic investment goals and the risks on investments. The policy helps the investor to understand the needs, objectives and investment constrains. This involves the determination of the risk appetite or tolerance for the organisation in the investments.
We have expertise in fixed income, money market instruments and equity market that gives us an advantage on to providing technical assistance on short, medium and long-term investment portfolio strategy. This is achieved the careful selection of risky and less risky assets to gain high returns whilst minimising unexpected losses.
We further conduct simulations for the investment strategy to ensure that the “what ifs” are addressed before the actual money is invested. The investment models are thus designed to incorporate uncertain variables in the financial market that can affect expected returns.
Debt structuring and management
Debt structuring occurs when a companies wishes to raise money through loans for specific projects with minimal interest costs on repayment. We assist in structuring debt that is efficient and cost effective at the same time minimising financial risk. This may include fixed income (bond), credit derivatives and equity.
Fund Manager Services
Selection, product design and evaluation
We assist organisations on the externally managed funds. We offer the following services;
Selection of fund manager
It is important to select a competitive fund manager whom you are sure will give you maximum returns from your investemetn. We do the spade work for our clients by evaluation a fund manager beforethey can do business with them. This may include their track record, rating, previous clients satisfaction and investment instrument selection.
Selection of a product
We assist organisation in selecting a product that will meet the expectations or financial needs. By this we mean the selection of financial instruments that are inline with the organisation investment strategy and risk appetite. We will align the asset composition with the boards appetite on risk by carefully selecting instruments that will ensure that what is expected we have a 95 percent confidence that it will be achieved. We further assist in the defining the investment guideline for the selected fund manager.
Evaluation of the performance of the fund manager is very important, evaluation should not be based on return i.e. When returns are positive everyone will be comfortable, but our concern is to ensure that the returns are optimal. We do this by assisting organisations in evaluation performance against appropriate performance indicators. This may include the design of a benchmark that will match the asset composition of the investment portfolio for the organisation. .
Since we always follow financial market developments, and subscribe to different rating agents, we are able to track the changes in the instruments held by the entity and make recommendation where there has been an increase in the risk exposure or where there are new investment opportunities.
BOARD OF TRUSTEES SPECIAL ADVISORY
Being a member of the board of trustees can be a night mare if you are not familiar with the behaviour of the financial markets. We therefore offer advisory servics on how to manage the funds both internally and externally. This is to ensure the pensioners get optimum returns from their savings.