Bespoke portfolios for unique individuals
Managing
Client-specific portfolio management
All your investments should be tailored to your specific situation and bought to achieve your personal financial goals. This is why, at TCD Global, we put a lot of effort into creating a bespoke financial plan for each client that addresses all your unique needs, requirements, and circumstances. The most suitable asset allocations and types of investments differ from client to client, so while many clients have similar goals, no two portfolios will be precisely the same.
Risk versus reward
Several factors might influence a client's attitude to risk. A desire for higher growth or a lengthy investment timeline may lead to accepting a higher level of risk. A need for income, being retired or retiring soon may lead you to choose a lower tolerance of risk. The longer time you have available to invest, the more likely any negative returns can be evened out and corrected. If the investment window is limited, say you are retiring in 5 or so years, you would generally be less likely to take the same risks. At TCD Global, risk tolerance is one of the subjects that we will discuss with you in detail when creating your financial plan.
Diversification and strategic allocation
Diversification and asset allocation (i) guide our long-term decision-making and include creating the optimal mix of stocks, bonds, cash, and other investments for you. We continually review this position and make adjustments when the prevailing circumstances dictate or your requirements change.
Strategic adjustments
Even the most carefully prepared plans can be derailed by global, political, or other events, which sometimes means we need to adjust the balance, asset allocation, or individual investments. To help us in the decision-making process, we use the following rules:
- Beware of the herd: Investment markets are full of people who act irrationally or emotionally. We do not act on emotion or follow the crowd, especially during periods of intense market fear or greed.
- Value Effect: The cost when you pay for something has an impact.
- Central Banks: Central banks dictate monetary policy that affects us all, so we don't fight against them.
- Trends: Market trends can be a powerful indicator of short-term direction, but we can't foresee the future, so we focus on today's markets and invest accordingly.
Bespoke portfolios
No two client portfolios are the same. At TCD Global, we tailor each portfolio to suit the demands of your unique financial situation. Some examples:
- Tax. When working with your tax advisors or accountants, we can consider situations that would result in significant capital gains tax being incurred. In some cases, it may be appropriate to defer transactions to reduce the tax burden, although this may impact your portfolio's long-term performance and not be advisable.
- Overweight Holdings. Many people acquire a considerable holding in their company's stock from options or other employee plans. We help create an appropriate reduction, disposal, or hedging strategy that removes emotion from the process and minimizes risk while allowing for future potential growth.
- Alternative Investments (ii). We may occasionally recommend investments not included in regular TCD Global retail client portfolios for those with larger amounts invested and our higher-net-worth clients. Some of the recommended securities are used to increase diversification and bring returns not typically found with traditional stock or bond investments. Also, Alternative Investments can be used to execute a specific strategy when we believe an individual asset class or market offers exceptional value. Because this type of investment tends to be more complex, we take the time to explain the risks and rewards of each recommended investment.
Rolling reviews
Communication between us will be regular and open. As a client, you'll have easy access to see how your portfolio is performing in real-time via our website-based online account portal.
Proactive portfolio management, holistic wealth planning, and a disciplined review process help reassure you that all your financial affairs are up-to-date, orderly, and on track to achieve the goals and ambitions you have set for your life and legacy.
Manage your wealth more efficiently with TCD Global
(ii) Alternative investments are not appropriate for all clients. Suitability will depend on factors including risk acceptance, experience, and the total amount you have invested.
Previous performance does not assure future results. No strategy guarantees success or totally protects you from loss.
The information provided is for general information purposes only and should not be misinterpreted as a recommendation or inducement to invest.