Business families
Liabilities-Driven Investing
business families
Liabilities - Driven Investing
For families with complexity, your needs are varied.
For families with complexity, your needs are varied.
At Stephan Independent Advisory we understand that your investment strategy requires a holistic approach, one that reflects the uniqueness of your family’s specific requirements.
At Stephan Independent Advisory we understand that your investment strategy requires a holistic approach, one that reflects the uniqueness of your family’s specific requirements.
Liabilities-driven investing is a framework that assists in devising an asset allocation for your capital that’s based on your family’s unique needs and the timeframes for meeting each specific financial goal.
We have created proprietary software based upon our unique portfolio construction methods that enables us to create a bespoke plan for your investment goals. This software, coupled with our acumen and experience, allows us to devise a tailored portfolio that takes the following considerations into account.
Liabilities-driven investing is a framework that assists in devising an asset allocation for your capital that’s based on your family’s unique needs and the timeframes for meeting each specific financial goal.
We have created proprietary software based upon our unique portfolio construction methods that enables us to create a bespoke plan for your investment goals. This software, coupled with our acumen and experience, allows us to devise a tailored portfolio that takes the following considerations into account.
How it works
How it works
NEEDS ASSESSMENT
- We work with you to define your priorities and financial objectives, mapping them out based on their individual timeframes
- We organise these into categories of essential, important, and aspirational objectives
- This allows us to determine the priority, appropriate risk level, and liquidity requirements for each goal
NEEDS ASSESSMENT
- The timeframe of each goal determines the asset class we select for your investments
- We match each objective with return factors, chosen for their capacity to either protect and/or fund each specific objective whilst ensuring they provide the liquidity necessary to access capital where an objective timeframe is short term in nature
CAPITAL DEMARCATION
- We calculate the amount of capital you need to fund each specific priority, and ensure you have the available resources to meet these goals
- We then calculate the funds that need to be invested today in order to reach this future goal
CAPITAL DEMARCATION
- We then review your investment strategy to ensure its suitability against your appetite for risk within your long-term plan
- Back-testing your portfolio against historic situations, and even crises, allows us to test it against theoretical crises and stressful market conditions
- Our aim is to confirm that we have created a robust portfolio that meets your objectives, while still navigating volatility
NEEDS ASSESSMENT
- We work with you to define your priorities and financial objectives, mapping them out based on their individual timeframes
- We organise these into categories of essential, important, and aspirational objectives
- This allows us to determine the priority, appropriate risk level, and liquidity requirements for each goal
NEEDS ASSESSMENT
- The timeframe of each goal determines the asset class we select for your investments
- We match each objective with return factors, chosen for their capacity to either protect and/or fund each specific objective whilst ensuring they provide the liquidity necessary to access capital where an objective timeframe is short term in nature
CAPITAL DEMARCATION
- We calculate the amount of capital you need to fund each specific priority, and ensure you have the available resources to meet these goals
- We then calculate the funds that need to be invested today in order to reach this future goal
CAPITAL DEMARCATION
- We then review your investment strategy to ensure its suitability against your appetite for risk within your long-term plan
- Back-testing your portfolio against historic situations, and even crises, allows us to test it against theoretical crises and stressful market conditions
- Our aim is to confirm that we have created a robust portfolio that meets your objectives, while still navigating volatility
This is more than just investment advice.
A liabilities-driven investment framework creates a bespoke asset allocation that’s tailored to suit the unique needs of your family, and is an effective way to mitigate the uncertainty you may feel in achieving your future financial goals.
This approach means that you have the right amount of capital in the right assets, enabling you to achieve your objectives without any compromise.
Liabilities-driven investing creates a roadmap for your future. We ensure you take the right roads to get there on time, and safely.
This is more than just investment advice.
A liabilities-driven investment framework creates a bespoke asset allocation that’s tailored to suit the unique needs of your family, and is an effective way to mitigate the uncertainty you may feel in achieving your future financial goals.
This approach means that you have the right amount of capital in the right assets, enabling you to achieve your objectives without any compromise.
Liabilities-driven investing creates a roadmap for your future. We ensure you take the right roads to get there on time, and safely.
Find out more about investing
Dr Steve Garth from the Stephan Independent Advisory Investment Committee joined Joe on the It’s Never About Money podcast to do a deep dive into investing.
Find out more about investing
Dr Steve Garth from the Stephan Independent Advisory Investment Committee joined Joe on the It’s Never About Money podcast to do a deep dive into investing.
PODCAST
Whether you have significant financial resources and question the meaning of success, or you’re wondering whether being that little bit wealthier will make you happier, this is the podcast for you. The It’s Never About Money site is also a hub for money related blogs and education.
Whether you have significant financial resources and question the meaning of success, or you’re wondering whether being that little bit wealthier will make you happier, this is the podcast for you. The It’s Never About Money site is also a hub for money related blogs and education.
Joe & James’ professional practice is to be admired. They are always there for his clients when needed. They freely pass on their expert knowledge without hard product selling techniques
DR. ELSPETH MCKAY
Professor
Clear, timely and direct responses in all areas of communications are outstanding. Meetings are planned and run efficiently to deliver on all our expectations. The firm’s values align to our own so that trust is readily established.
MR JOHN AND DR KIM WATTY
Self funded retirees
Joe & James’ professional practice is to be admired. They are always there for his clients when needed. They freely pass on their expert knowledge without hard product selling techniques
DR. ELSPETH MCKAY
Professor
Clear, timely and direct responses in all areas of communications are outstanding. Meetings are planned and run efficiently to deliver on all our expectations. The firm’s values align to our own so that trust is readily established.
MR JOHN AND DR KIM WATTY
Self funded retirees
