Introducing Our Risk-First Approach

  • Risk-First ApproachRisk-First Approach

    Understanding returns begins with understanding risks

We recognise the importance of balancing risks and returns. By assessing risks from the outset, we prioritise protecting the wealth that you have accumulated before recommending opportunities to help you grow it.

Our unique and proprietary Risk-First approach to wealth management enables you to optimise your wealth portfolio in accordance with your risk profile. By applying this approach, we help you avoid taking excessive risks in your journey towards your financial goals.

We begin by understanding your financial profile and wealth management needs.

Next, 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 help you take the appropriate amount of risk to meet your long-term goals.

Our Risk-First Approach

Our Recommended Allocation

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.

Core Allocation 100%;
Tactical Allocation 0%

Core Allocation 100%;
Tactical Allocation 0%

Core Allocation 80%;
Tactical Allocation 20%

Core Allocation 70%;
Tactical Allocation 30%

Core Allocation 60%;
Tactical Allocation 40%

Core allocation

Tactical allocation

 

Speak to your Client Advisor to discuss your goals.

*The Core and Tactical Allocation Methodology has been developed by UOB for its customers. The Core and Tactical Allocation Methodology has been reviewed by Mercer, an independent external consultant who has no affiliation to the Methodology.

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.