We just concluded our last Retirement Weekend here at Providend. At this event, we explain the holistic considerations that many may not have considered when they are near retirement. One of the feedbacks that we have received about the Retirement Weekend was that not a lot of talks explained how to conceptualize the various assets…
Take the stress and ambiguity out of investment planning.
Forget the dubious art of stock picking and start applying the science of evidence-based investing. Similar to how we depend on research and data to do many things in the modern world, from medicine to engineering, why should it be any different for investing?
Investment Planning & Management Singapore, Investment Manager Singapore
Our investment approach is never to maximize returns by just timing the market. Such an approach, typically adopted by active funds, always attempts to beat the market, making it highly unpredictable and difficult to achieve on a consistent basis. Rather, we focus on the long-term returns of assets and believe in compounding returns by staying invested and continuing to invest. We prefer to ride the volatilities of the market rather than risk making permanent losses to our capital.
While our investment objective is to deliver an annualized target return from your investments, we control the risk level of your portfolios by diversifying across asset classes and markets, as well as investing mainly in index funds, which focus on getting the average returns of the market and are therefore less risky and better able to deliver more consistent returns. Index funds are also less costly, minimizing leakage from your returns.
On a day-to-day basis we are continuously monitoring market developments as well the performance of the portfolios. When the use of active funds are necessary, we periodically conduct valuations and ranking of the funds in our portfolios and arrange meetings with the fund managers to find out more about their performance and strategies going forward. All this information helps us to ascertain the need to make changes to our portfolios. Top Singapore Investment Manager.