Successful management of an investment portfolio in today’s dynamic economic and political environment demands constant supervision, accurate information and specialist knowledge.
Individuals do not have the time, expertise or resources to keep pace with investment opportunities. They can easily be overwhelmed by the range of options and choices.
Olemera Financial Services utilizes the Moneymax® money personality profile to ascertain the needs of the investor whilst our portfolio managers use a Monte Carlo simulation model to optimize the solutions in the market with the expectations of the investor. Whilst the Moneymax® profile assists the financial advisor to ascertain the investor’s capacity and appetite for risk, it is still the duty of the financial advisor to provide the investor with professional and objective advice. The use of the Moneymax® profile offers a definite competitive edge to the financial advisor and his client.
The Moneymax® profile was developed over a period of almost two decades by Dr Kathleen Gurney of The Financial Psychology Corporation. Dr Gurney developed a scientific methodology to determine a person’s views on risk and his investments. Based on this information nine money personalities were designed.
A Monte Carlo Optimizing Model is used to select the most appropriate and best collective investment scheme. It enables us to target the maximum returns within the risk parameters of the client.
Investment managers use the Monte Carlo Optimizing Model to establish the optimum allocation of funds, especially where there are many funds available to choose from.
The Monte Carlo Optimizing Model provides a definite competitive edge to Third Circle Asset Management as illustrated by the optimized returns for each personality type.
This approach ensures that fund allocation is done in an objective and transparent manner.
Entrepreneurs: Entrepreneurs will take risks with their money to achieve a business or financial goal. They are motivated by the opportunity for greater growth in their investing and continually set higher and higher goals
Hunters: Hunters are most confident if they seek guidance and structure in their money management and investing. They tend to worry about money, their financial security and what is most appropriate for them.
High Rollers: High Rollers are highly stimulated and motivated to excel financially. They seek out a challenge and are willing to take risks for the chance of achieving greater financial gain. Their approach is generally creative.
Safety Players: Safety Players prefer a cautious and arms-length approach to their money management. They avoid any chance of losing money in investing as financial security is a goal in their approach to investing.
Achievers: Achievers enjoy being highly involved in handling their money and investments. They prefer a conservative approach which prevents losing money. Generally speaking, they are proud of how they manage their money.
Perfectionists: Perfectionists are very thorough and particular in managing their money. They are concerned about making a mistake in investing their money and are careful to safe-guard against a potential mistake or financial loss.
Money Masters: Money Masters enjoy conserving their money and are motivated by value. They prefer to be very practical and pride themselves in making wise investments. They feel best when they are involved in managing their money.
Producers: Producers believe in working hard to earn a living in order to ensure financial security and peace of mind. They generally profit from guidance in investing and money management in order to reach their financial goals.
Optimists: Optimists prefer to avoid financial stress and worry with regard to their money management and investing. They are motivated to maintain a feeling of peace of mind and are positive and confident about their future.
Please note that there is no right or wrong personality type, this is merely an indication of the preferences of the investor. It remains the duty of the advisor to guide the investor to the optimum investment.
With the advice from our consulting portfolio managers, Third Circle Asset Management designed nine different portfolios to reflect the risk preferences of the nine personality types. The portfolios also take into account the different asset classes preferred by the nine money personalities. The portfolio composition is made possible by the utilization of a Monte Carlo optimizing model.
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