Risk-First Approach

  • Understanding returns begins with understanding risks

    Let us help ensure that you are not taking excessive risks while you work towards your financial goals.


At UOB, we recognise the importance of balancing risks and returns.

By assessing risks from the outset, we prioritise protecting your wealth before recommending opportunities to grow it.

With our unique and proprietary Risk-First approach to wealth management, we help ensure that you are not taking excessive risks. This will help you in your journey towards your financial goals.

  • We begin by understanding your financial profile and wealth management needs.
  • Next, we identify your risk profile which is your ability and willingness to take risks.
  • Lastly, having determined your needs and risk appetite, we will be able to recommend the optimal core and tactical allocations suited to you.

Our Risk-First Approach

Safeguard > Build > Enhance



Based on your Client Risk Profile (CRP) rating, the following are our proprietary* Core and Tactical allocation strategies to help you take the appropriate amount of risk to meet your long-term goals.

*The Core and Tactical allocation methodology has been validated by an external consultant.

Contact Me

Speak to a UOB Personal Banker to determine your risk profile and identify the Core and Tactical strategies suited to your needs.

This publication shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing in this document constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein. The information contained in this publication, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of the article, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained in this publication, United Overseas Bank Limited (“UOB”) and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information in this publication.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

United Overseas Bank Limited Co. Reg. No. 193500026Z

June 2018