Typical Workflow

1. Initial Meeting

The investment manager meets with the client to understand client’s financial goals, risk tolerance, time horizon, and any specific preferences or restrictions that client may have.

2. Investment Policy Statement (IPS) Development

The investment manager assesses the client's investment objectives, risk tolerance and concerns to form the client profile. Investment Policy Statement (IPS), a formal document, is developed outlining the client's investment goals, risk tolerance, time horizon, and any specific guidelines or restrictions.

3. Client Onboarding

Documentation: Necessary paperwork is completed, including account opening forms, investment management agreements, and any other required legal documents.

Account opening and funding: Investment accounts are opened in qualified financial institution who serves as custodian. The investment manager and the custodian financial institution support clients to transfer money and/or other financial assets into these accounts for assets custody and investment management.

4. Investment Strategy Development and Portfolio Construction

Guided by Investment Policy Statement, the investment manager determines an appropriate asset allocation strategy, and executes trades to create a personalized portfolio.

5. Monitoring and Rebalancing

The investment manager regularly monitors the portfolio to assess whether it remains aligned with the client's investment objectives and restrictions.

If necessary, the portfolio is rebalanced to bring it back in line with the target asset allocation, ensuring it remains consistent with the client's IPS.

6. Reporting and Communication

Regular investment management reports are provided to the client, detailing the portfolio's performance.

Ongoing communication occurs between the investment manager and the client to discuss market updates, portfolio performance, client situation changes, and address any client concerns.

7. Management Fee Billing

Management fees are calculated based on the fee structure agreed in the Management Agreement. Clients receive clear and transparent billing statements detailing the fees associated with the investment management service. With clients’ authorizations, the custodian financial institution deducts the management fees from investment accounts for the payments.

8. Compliance and Regulation

The investment manager must ensure compliance with regulatory requirements and standards governing the management of clients’ accounts. Proper documentation and record-keeping are maintained to meet regulatory and compliance standards.