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.

Picking a fund isn't a single check — it's a discipline we apply consistently to every product we consider, across six dimensions. Each one looks at a different way a fund can go right or wrong, so the full picture only comes from checking all six together.

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.

Debt selection approach

The 6C debt framework

A disciplined, multi-layered framework for evaluating the issuer, repayment strength, portfolio risks, and independent validation before any debt investment decision.