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Daberistic
Daberistic Wealth Management
www.daberistic.com
Different and Better Kevin Yeh
CERTIFIED FINANCIAL PLANNERTM
FSP 25477
http://www.daberistic.com/http://www.daberistic.com/
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2016 Outlook
• Chinese economy slows amid restructuring –
low commodity prices
• US Fed will increase rates – strong USD at least
in the first half • Emerging markets low growth
• South Africa 0.7% growth, political risks,
draught, Eskom, credit rating downgrade – Randunder pressure
• Fund returns between 7% - 12% - defensive
positioning
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2016 Q1 Recommendations
Category Funds
Aggressive Foord Equity
Allan Gray Equity
Marriot Dividend Growth
Moderate REZCO Value Trend
Foord Balanced
Allan Gray Balanced
Discovery Balanced
Investec Opportunity
Conservative Prudential Inflation Plus
Allan Gray StableNedgroup Investments Stable
Global
Coronation Global Managed
Investec Global Opportunity FoF
Discovery Global Equity
Old Mutual Global Equity
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Executive Summary
• Based in Johannesburg, South Africa, Daberistic Wealth
Management provides wealth management services to
private and institutional clients with USD500,000 or more
investible assets in South Africa, Africa and globally.
• We listen to client’s financial planning and investment
needs. We gather and analyse investment markets
information. Based on our sound investment guiding
principles, and utilising our proprietary fund selectiontechnologies, we partner with the best asset managers
to offer our clients bespoke wealth management
solutions.
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Executive Summary
• We use world-class investment platforms
that give clients secure online access, to
check their investment values anytime
around the clock, anywhere in the world.
• We send our clients monthly investment
focus newsletters, providing our clients
with the latest investment insights and
outlook.
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Our Core Purpose and Vision
Core Purpose
To provide clients with investment advice
and wealth management solutions.
Vision
To reach Asset Under Management (AUM) ofUSD 100 million by 2018.
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Investment Guiding Principles
1. Long-term capital protection
2. Capital preservation in US Dollars
3. Value Investing
4. Optimise returns with lower downside
risks
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1. Long-term capital protection
Our primary objective is to protect the value of your wealth,
to ensure your wealth grows at least in line with inflation, so
that your wealth does not shrink in real terms due to the
adverse effect of inflation.
In South Africa, we expect the long-term official CPI
inflation rate to be 6%. However the inflation rate
experienced by our aggregate wealth clients is closer to
10% (CPI+4%). We must therefore ensure our client’swealth achieves an annualised return of 10% over the long
term, after fees.
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2. Capital preservation in US
Dollars
US Dollar is the reserve currency of the World. We
design your wealth management solution with
capital preservation in US Dollar terms in mind.
For South Africans, over the long term the South
African Rand depreciates against the US Dollar.
We will invest your money to ensure your wealth is
maintained in US Dollars.
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3. Value Investing
We believe in the Warren Buffet school of value
investing, that is to buy assets at a price below
their intrinsic value, and sell them when they are
overpriced relative to their intrinsic value. Assetmanagers that truly believe the value-investing
philosophy and execute it well, will demonstrate
superior investment returns over the long term.
We partner with value managers with a
demonstrable long-term track record.
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4. Optimise risk-adjusted returns
Investment is an activity with risks and
uncertainties. The first lesson in Investing 101 tells
us that high returns are associated with high risks,
and low returns are associated with low risks.
However through our proprietary technologies and
risk management, We will invest your money with
asset managers and funds that have proven to
provide enhanced returns with lower downside
risks over the long term.
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Wealth Management Products
Unit trusts and ETFs
through a LISP
Living annuities
Offshore mutual funds Life annuities
Endowment policies Guaranteed return
plans
Retirement annuity
funds
Managed share
portfoliosPreservation funds Tax-free Investment
Accounts
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Fund Managers
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Rigorous Fund Selection Process
1. The investment management company
2. The portfolio manager
3. Past performance
4. Risk management
5. Independent fund ratings
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Independent Fund Ratings
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Rigorous Fund Selection Process
6. Total Expense Ratio (TER)
7. Fund size
8. Client’s needs
9. Market conditions
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Investment analysis –
performance graph
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Investment analysis –
risk return scatterplot
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Investment analysis – risk statistics
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Client Actual Experience
Annualised return of10% ~ 15%
This is the average experience of clients investing over 5 years. The returns
are not fixed, in some years higher than this, some years lower than this.
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Daberistic
Daberistic Wealth Management
www.daberistic.com
Kevin Yeh
CERTIFIED FINANCIAL PLANNERTM
Cell: +27 83 633 4671
Tel:+27 11 658 1333
Email: [email protected]
http://www.daberistic.com/mailto:[email protected]:[email protected]://www.daberistic.com/