Our Risk-First Approach

Investors may face uncertainties in their investment journey, as financial markets will likely stay volatile as global growth slows.

Our Risk-First Approach ensures that you understand your risk appetite as the starting point in your wealth journey, before considering the returns you would like to achieve. This way, you avoid taking excessive risks in the journey towards your financial goals.

In practice, our Risk-First Approach helps you Protect the wealth you have worked hard to accumulate, then Build and Enhance your wealth with the appropriate asset allocation.

Risk First Approach

Optimal portfolios are recommended according to your Client Risk Profile (CRP). Depending on your risk profile, a maximum of 30%, 40%, or 50% is allocated to Tactical investing while the rest is anchored in Core investing.

allocation

Core allocation tends to be of lower risk and are designed to help you progress towards your long-term goals. By nature, they are held through market cycles and can provide regular income. They tend to be diversified across asset classes, sectors and regions.

Tactical allocation focuses on capturing targeted short-term opportunities. These aim for capital growth but can also incorporate income strategies.

Our VTAR Methodology

Our VTAR framework focuses on analysing large volumes of financial data in the four components of Value, Trend, Activity and Risk (VTAR). This framework provides a holistic view of financial markets and identifies investment opportunities across asset classes, sectors, geographical regions and time periods.

The UOB Personal Financial Services Investment Committee examines these insights based on market and asset class views from our Chief Investment Officer, in tandem with key risks and comes to a consensus to determine the attractiveness of each potential investment idea.

vtar-methodology

Important notice and disclaimers
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The information contained in this publication is given on a general basis without obligation and is strictly for information purposes only. This publication is not intended to be, and should not be regarded as, an offer, recommendation, solicitation or advice to buy or sell any investment or insurance product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment or insurance products, if any, is qualified in its entirety by the terms and conditions of the investment or insurance product and if applicable, the prospectus or constituting document of the investment or insurance product. Nothing in this publication 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 publication, 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 (Malaysia) Bhd. (“UOB Malaysia”) 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 Malaysia 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 contained in this publication.

Any opinions, projections and other forward looking statements contained in this publication regarding future events or performance of, including but not limited to, countries, markets or companies are not necessarily indicative of, and may differ from actual events or results. The information herein has no regard to the specific objectives, financial situation and particular needs of any specific person. Investors may wish to seek advice from an independent financial advisor before investing in any investment or insurance product. Should you choose not to seek such advice, you should consider whether the investment or insurance product in question is suitable for you.

Managing Editor
  • Winston Lim, CFA
    Singapore and Regional Head,
    Deposits and Wealth Management
    Personal Financial Services
Editorial Team
  • Abel Lim
    Singapore Head,
    Wealth Management
    Advisory and Strategy
  • Michele Fong
    Head, Wealth Advisory and Communications
  • Tan Jian Hui
    Investment Strategist,
    Investment Strategy and Communications
  • Low Xian Li
    Investment Strategist,
    Investment Strategy and Communications
  • Zack Tang
    Investment Strategist,
    Investment Strategy and Communications
UOB Personal Financial Services Investment Committee
  • Singapore
    • Abel Lim
    • Ernest Low
    • Michele Fong
    • Tan Jian Hui
    • Low Xian Li
    • Zack Tang
    • Jonathan Conley
    • Alexandre Thoniel, CAIA
    • Chen Xuan Wei, CFA
    • Chia Hong Wei
    • Daphne Chan
    • Marcus Lee, CFTe, CMT
    • Ivan Hu
    • Chloe Kwan
  • Malaysia
    • Ryan Tan
    • Mow Wei Sern
  • Thailand
    • Suwiwan Hoysakul
    • Boonnisaed Thanyaworaanan
  • China
    • Huang Li Li
  • Indonesia
    • Diendy