At Religare Macquarie, we adopt a structured and disciplined advisory approach and provide you portfolio solutions which meet your desired financial goals and milestones.
Distinctive solutions to your unique needs
You are unique. Your needs, aspirations and goals are distinct. We believe investment solutions should be devised after a thorough understanding of your current financial situation and your desired goals.
A customized investment plan is a detailed roadmap for this financial journey
Risk Profiling
At Religare Macquarie, our understanding of your specific requirements, risk appetite and your investment capacity is essential to helping you manage your wealth.
Once your risk profiling is complete, our advisory team aims to create value at each stage of the investment process. The primary areas of value creation are as follows:
Asset Allocation
Asset Allocation is one of the most important steps in constructing a portfolio which not only aims to achieve the desired return but also keeps the portfolio volatility in line with your risk appetite. Recommended portfolios have the following characteristics:
• Best reward-to-risk ratio
• Best possible return for a specified level of risk
• In line with your risk appetit
• Considers liquidity constraints and your behavioral investment style
At Religare Macquarie, we adopt a unique model for Advisory. The PGA (Protection, Growth and Aspirational) model allocates your wealth into three distinct categories depending on your personal risk profile:
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• Protection - investments that carry the least risk to the capital and are very liquid.
• Growth - investments are actively managed and aim to outperform benchmarks for those asset classes.
• Aspirational - high risk, high return investments, where capital may be at risk however the potential return can be quite high.
Product Selection
Selecting the right product is key to building a good portfolio.Our product selection process:
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• Aims to deliver best of breed products in each asset class category
• Is unbiased, proprietary and transparent
• Considers risk and returns based parameters as well as portfolio holdings based inputs
Investing is just the first step to achieving your financial goals. Your portfolios need to be actively monitored periodically to track the performance of funds and ensure that the asset allocation is consistently in line with the agreed objectives. Dynamic Asset Allocation is an integral part of the advice process and ensures your portfolio risk is minimized and returns enhanced, by making changes to the strategic asset allocation in view of the current market conditions.
The Advisory team sets up regular reviews and provides you with updates on the progress of your investments, new products offerings any need for rebalancing your portfolio. We call this ‘The Power of Active’, an approach that puts advice first.