Our approach
A disciplined process, not a one-off sale
Every client relationship follows the same client-centric research process — because a plan is only as good as the review that keeps it honest.
The world of finance and investments can be complicated, and assessing the risk inherent in investment products is often a difficult task. At the same time, everyone's financial journey is different — each investor has their own money philosophy and their own values attached to their wealth. We leverage our experience, expertise, and knowledge for a client-centric, holistic approach to financial guidance that reflects your priorities, values, and life circumstances. As professionals, we have an ethical obligation to act in your best interest when providing financial and investment services, and to help you create the best path in turning financial dreams into realities.
Assess
We begin by listening — to your objectives, your perspective on risk, your liquidity needs for the short and long term, and your money philosophy. This includes complete financial life planning and risk profiling to determine the level of risk you're willing and able to take.
Create
We build a blueprint: finalising your financial goals, assessing your income, expenses, cash flows and net worth, and preparing guidance across goal, investment, retirement, tax, insurance, liability, and estate planning — including a full review of your existing portfolio and its asset allocation.
Implement
Once you approve the plan, we put it into action — choosing the investment vehicles best suited to your goals and risk tolerance. We use the latest technology to execute in a seamless manner, giving you convenience, security, and transparency.
Review
"The only constant in life is change." We continually track your goals, portfolio performance, and changing circumstances, realigning your plan when needed — always mindful of the cost of change, including transaction costs and taxation.
Research process
Six checks behind every fund we select
Investment products we consider go through thorough research and due diligence, based on a 6P model.
People
Assessing the asset management company's parentage, and the quality and consistency of its portfolio managers.
Portfolio
Evaluating portfolio construction quality, churn ratio, expense ratio, and flexibility.
Process
Assessing the fund house's investment and compliance processes, and how consistently portfolio managers follow them.
Performance
Analysing performance and its consistency over a longer period of time.
Persistency
Persistency of quality, process, and portfolio manager tenure — including performance through both peaks and troughs.
Probability (Risk)
Good performance can still carry high risk — we assess performers with favourable risk-adjusted returns.
Let's plan your next step
Speak with the BlueGrid team about your goals — no obligation, just a clear picture of where you stand.
Get in touch