RThe most significant task we have for you is this. Each client's portfolio is individually designed to fit their financial strategy. We think our clients deserve more for the money they pay than many other firms, which ask arbitrary questions about risk before putting the money into a portfolio model that runs automatically. We can create a precise list of anticipated future cashflows because to how extensive and comprehensive our financial planning process is, which we can then couple to investments with similar time horizons. This enables us to change the focus of our attention on risk from exposure to volatility to mitigating loss realisation.
Having a sufficient cash reserve for emergencies is crucial for financial success. Each person will have a distinct value for this. Cash is the investment that performs the worst over time, therefore it's crucial to keep it running smoothly.
We have money in bonds that will mature in 4 years if a client wants a certain amount in that time. Why? because you receive your money back at face value at the conclusion of a bond's term. Since our financial plans are so detailed and revised yearly, we will always have a clear understanding of when funds from the portfolio are required. Contrary to many classic portfolio models, this allows us to coordinate that cash requirement without having to cross our fingers that the markets will be up at that time.