Our Unique Risk-First Approach

Investors may face uncertainties in their investment journey, as financial markets will likely stay volatile as global growth slows.

Our proprietary Risk-First Approach ensures that you understand your risk appetite as the starting point in your wealth journey, before considering the returns you would like to achieve. This way, you avoid taking excessive risk in the journey towards your financial goals.

In practice, our Risk-First Approach helps you protect the wealth you have worked hard to accumulate, then Build and Enhance your wealth with the appropriate asset allocation.


Optimal portfolios are recommended according to your Client Risk Profile (CRP). Depending on your risk profile, a maximum of 30%, 40%, or 50% is allocated to Tactical investing while the rest is anchored in Core investing.

Core allocations tend to be of lower risk and are designed to help you progress towards your long-term goals. By nature, they are held through market cycles and can provide regular income. They tend to be diversified across asset classes, sectors, and regions.

Tactical allocations focus on capturing targeted short-term opportunities. These aim for capital growth but can also incorporate income strategies.

Our VTAR Methodology

Our VTAR framework focuses on analysing large volumes of financial data in the four components of Value, Trend, Activity, and Risk (VTAR). This framework provides a holistic view of financial markets and identifies investment opportunities across asset classes, sectors, geographical regions, and time periods.

The UOB Personal Financial Services Investment Committee examines these insights based on market and asset class views from our Chief Investment Officer, in tandem with key risks, and comes to a consensus to determine the attractiveness of each potential investment idea.


Managing Editor
  • Winston Lim, CFA
    Singapore and Regional Head,
    Deposits and Wealth Management
    Personal Financial Services
Editorial Team
  • Abel Lim
    Singapore Head,
    Wealth Management
    Advisory and Strategy
  • Michele Fong
    Head, Wealth Advisory and Communications
  • Tan Jian Hui
    Investment Strategist
    Investment Strategy and Communications
  • Low Xian Li
    Investment Strategist
    Investment Strategy and Communications
  • Zack Tang
    Investment Strategist
    Investment Strategy and Communications
  • Nicholas Bryan Chia
UOB Personal Financial Services Investment Committee
  • Singapore
    • Abel Lim
    • Ernest Low
    • Michele Fong
    • Tan Jian Hui
    • Low Xian Li
    • Zack Tang
    • Jonathan Conley
    • Alexandre Thoniel, CAIA
    • Chen Xuan Wei, CFA
    • Chia Hong Wei
    • Daphne Chan
    • Marcus Lee, CFTe, CMT
    • Ivan Hu
  • Malaysia
    • Ryan Tan
    • Mow Wei Sern
  • Thailand
    • Suwiwan Hoysakul
    • Boonnisaed Thanyaworaanan
  • China
    • Huang Li Li
  • Indonesia
    • Diendy

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