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Investment Advisory

We do not make any assumption on the level of control and the involvement that you want in your investment decision making process. That is why we provide non discretionary investment advisory, banking and other specialist services.

Your dedicated private banker will develop a personalised strategy and portfolio with you which will help you to meet your goals. Through regular monitoring & reviews, performance analysis, consultation and detailed reports, you will be kept informed about your portfolio performance and any changes of opportunities that may arise.

We try to compute the Whole Net Worth of our clients. This applies to the entire range of assets held by the client, including the relatively illiquid ones such as hedge funds, real estate, fixed maturity investments and private equity investments. We then try to accurately gauge how to best allocate the traditional and alternative assets so that we can achieve our desired results, which addresses your risk tolerance, investment objectives and liquidity concerns. All these are used to assess your total wealth, including assets held elsewhere, to devise a comprehensive and fully integrated plan.

We provide Investment Advisory on your Entire Financial Assets – which may or may not have been invested through us.

With an increase in availability of the number of asset classes along with the number of strategies to invest, the decision making process becomes difficult. We take the following approach towards your plan.

  • Individually assessment of your current financial profile and investment objectives and constantly review for any changes.
  • Inform you of new opportunities that are available.
  • Actively monitor the changes in the industry and economic environment with an objective to ensure that your portfolio is properly re balanced.*
  • Recommend Changes in Money Managers and Strategy Allocations, where appropriate, to reflect changes in our house view.
Different Asset Classes
  • 1. Traditional

    • Direct Equity

      Direct Equity: Direct Equity investment refers to the buying and holding of shares of a company listed on a stock market, by individuals in anticipation of receiving income through dividends and capital gains through the rise in the value of shares. The Investors in stocks purchase them with the clear intention of holding them for a certain period of time, which can be from several months to years.

    • Mutual Funds

      Mutual Funds: A Mutual Fund is a professionally managed pool of funds collected from a group of investors with similar investment objectives. A mutual fund represents a portfolio of many individual stocks from a variety of industries and is managed by a professional fund manager. Mutual funds offer diversification and professional management of the money. Diversification reduces the risk because all stocks may not move in the same direction in the same proportion at the same time.

    • Insurance

      Insurance: Life Insurance helps in protecting yourself and your family against an unforeseen future. After deciding the amount of insurance that one requires, you need to decide on the policy that best suits your needs. Your insurance needs are dependent on your responsibilities and financial liabilities, which are defined by your life stage and your needs. If you have just begun a family, you need a policy that would provide for your child’s needs for higher overseas education, or marriage or a business venture. You also need to take a policy such that should something untoward happen to you; your family has the money to meet their daily expenses comfortably.

  • 2. Specialized

    • Structured Products

      Structured Products: A structured product is a pre-packaged investment strategy which is based on derivatives, such as a single security, a basket of securities, options, indices, commodities, debt issuances and foreign currencies and in some cases swaps. Some Structured products provide Capital Protection if the investment is held till maturity. Structured products were created to meet specific needs that cannot be met from the standardized financial instruments available in the markets. Structured products can be used as an alternative to a direct investment, as part of the asset allocation process to reduce risk exposure of a portfolio, or to utilize the current market trend.

    • Private Equity

      Private Equity: Private equity investments are investments into the equity securities of operating companies that are not publicly traded on a stock exchange. They are generally illiquid and thought of as a long-term investment. Private equity investments are not subject to the same high level of government regulation as stock offerings to the general public. Private equity is also far less liquid than publicly traded stock. Investments in private equity most often involve either an investment of capital into an operating company or the acquisition of an operating company.

    • Commodities

      Commodities: You may have your debt and equity investment in place, but investing in commodities could just be the one element to improve the returns and diversify the risk inherent in your portfolio. Commodity trading provides an ideal asset allocation, also helps you hedge against inflation and buy a piece of global demand growth. Investors must understand the demand cycles that commodities go through and should have a view on what factors may affect this. Because commodity prices generally rise when inflation is accelerating, they offer protection from the effects of inflation. Few assets benefit from rising inflation, particularly unexpected inflation, but commodities usually do. Commodity exposure can be taken either directly through the commodity exchange or through various funds with a mandate of investing in commodities.

Third Party Portfolio Management

If you prefer to let Third Party Product provider manage your equity portfolio for you, your portfolio can be managed in a fully discretionary manner from a selection of Best of Breed third party panel of such Service Providers. The main objective is to help you to present your wealth in line with your investment objectives. Our role will be limited to referring the client to the third party portfolio management service provider. The Bank or the Bank representatives do not advise the clients on the same.