First Principal Financial possesses the key qualities of reputation, expertise and longevity. We look forward to continuing our relationship with you in the years ahead.
Investment Planning
We believe that investment decisions must be made based on a holistic approach. Your investment goals, risk appetite, cash flow situation and understanding of investment principles, all contribute to a sound investment plan. Our Advisers can take you through this process with a proprietary Financial Planning Programme (FIPA) and a proprietary Investment Advisory Service (IAS) developed by First Principal. Our asset allocation model selects an appropriate portfolio to match the profile of each and every client.
The work, however, does not stop after you have chosen your asset mix. Your portfolio is reviewed regularly and adjustments made to assure consistency in fund performance. Our investment committee takes a stringent approach when rating performance standards, and your Adviser will be updated with the latest assessments and ratings. Be assured that when you plan your investment strategy with us, it will be long-term, consistent and well-diversified.
With First Principal, you are in safe hands.
Advisory Process
Investment management is part of our all-encompassing process of weath management, accumulation and preservation (MAP). The advisory process and our relationship with you begins when we discuss your overall financial concerns.
Involving risk coaching, our meeting will establish your
- investment objectives
- time horizon
- familiarity with investments
- risk appetite
- expectation of returns
- liquidity requirements
- other unique circumstances
Our Advisers will help you understand the whole process. You may decide to use our Investment Advisory Service (IAS) to manage your investments, or simply implement these plans directly through our wide range of fund managers. (see Product Showcase)
Investment Advisory Service
With the help of our proprietary investment model, our Advisers will select a portfolio of funds based on your investment objectives and risk profile. Until you are satisfied with the portfolio recommended, we will explore all possible and suitable options. Once you have agreed on the recommended portfolio, implementation of the plan follows.
Portfolio Asset Management (PAM) Scheme
Our proprietary asset allocation model tracks a wide range of funds, ranging from global to regional equities and bonds. These funds are measured against their benchmarks, before we arrive at a selected few that optimises your porfolio. Access to a wide and varied choice of funds allows us independence and impartiality when we advise you on your investments.
Keeping with your investment objectives and upon your instructions, PAM will regularly rebalance your asset mix in response to market conditions. You will receive simple, yet comprehensive quarterly valuations and reports on your investments.
As your circumstances change, regular meetings and discussions with your Adviser ensure that your portofolio is adjusted accordingly. In short, PAM provides the assurance of a sound investment process at work.
Lower Cost
At First Principal, we are able to reduce the cost of administration substantially by using our very own funds settlement system. Unlike many other Financial Advisory firms, we do not rely on a third-party fund administrator.
Together with our custodian, we manage the entire investment advisory and settlement process ourselves. Hence, we are able to keep our transaction charges lower than most. This savings is passed on to you, resulting in lower cost of investment, without compromising on service and quality of advice.
Accountability
Critical to our company's approach is accountabilty to our clients. We believe the lack of communication worries you, as it should. On a regular basis, you will receive performance reports on your portfolio, together with a rebalancing recommendation if needed. At the same time, our Advisers are available to meet with you to discuss how things are going, and to review your investments to see if external or personal changes warrant further adjustments.
First Principal prides itself on being service-oriented. As a client-focused firm, you can count on our constant evaluation of the composition and performance of your portfolio to ensure that your long-term objectives are being met.
Investment Committee
Our Investment Committee comprises individuals with experience and training in fund asset allocation and modelling. We also take advantage of extensive financial and investment data, acquired from professional research houses at our disposal, to properly evaluate and rank fund performance. The findings of our Investment Committee are incorporated into our asset allocation model (PAM), which in turn is used by our Advisers to help you make well-informed decisions. ln addition, we conduct regular reviews and audits to determine if rebalancing of asset classification and funds are required.
With PAM, you have access to investment expertise from all around the world. First Principal works with a multitude of fund managers, tapping on their strengths in sectors that they are most familiar with. Hence performance of your investments in PAM is not limited by the capability of a few fund managers. Employing a stringent process to access the performance of the fund managers, PAM offers you the opportunity to invest with and capitalise on renowned and competent investment expertise globally.
