At Providend, we know that the money you entrust to us is hard-earned and we are committed to managing it responsibly.
This is why we do not attempt to guess where the markets are going and try to time it. Decades of data tells us that it is a futile attempt and as a result, investors suffers from a poor investment experience and do not get the returns they deserve . Instead, we prefer to invest your money based on decades of academic research, Nobel Prize winning thinking that span across time and markets. In short, evidence-based investing.
With that in mind, we believe that there are three features to a successful investment experience: having the Right Mindset, the Right Portfolio, and the Right Adviser.
The Right Mindset
We believe that the right mindset in investing is one where your aim is to build long term wealth by staying invested for the long term, instead of jumping in and out of the markets based on short term noises. We believe that market timing does not work.
The Right Portfolio
We believe that the right portfolio is one that is broadly diversified across securities, asset classes and markets. And in executing the right portfolio, we believe in using low-cost instruments such as funds from Dimensional Fund Advisors or index funds from Vanguard.
The Right Adviser
We believe that the right adviser will add value to your investment experience and returns. As such, all our advisers do not take commissions and are fee-only. Besides crafting a suitable retirement plan for you, and selecting the right portfolios to match your plan, your adviser risk coach you so that in times when markets are hard to understand, and noises are loud, they are a pair of calm hands that hold you in the midst of the storm.
So invest with conviction, invest with confidence, invest with Providend.
This service is but one component of your overall financial plan. Your ultimate goal is really your retirement, so you may want to consider one of our holistic retirement solutions. Click here to find out more.
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.