Our Approach

Financial Planning | 4 Wealth Models | Investment Methodology

Our Financial Planning Process

At ZIPP, we employ a Six-Step Process that favours needs-based advice. We apply this process taking into consideration our clients' needs around Wealth Accumulation, Wealth Protection, Wealth Management and Wealth Distribution via Wealths model.

1. ESTABLISH A CLIENT-PLANNER RELATIONSHIP

Your ZIPP Adviser will work towards a 'meeting of minds' to understand your financial aspirations. With this compatibility established, your adviser will be able to work with you towards meeting your expectations and achieving your financial goals.

2. CLIENT DATA GATHERING AND DEFINING GOALS & OBJECTIVES

Your ZIPP Adviser analyses your present situation by collecting and assessing all relevant data - your assets and investments, wills, insurance policies, tax returns, employee benefits, sources of your income and your expenses. Your adviser then helps you identify financial and personal goals and ensures that they are realistic.

3. ANALYSIS OF CURRENT FINANCIAL PLAN

Your ZIPP Adviser focusses on specific problems that stand in the way of those goals. i.e. Inadequate cash flow, unnecessary tax payments, inappropriate insurance coverage and investments.

4. DEVELOPMENT OF COMPREHENSIVE FINANCIAL PLAN

Your ZIPP Adviser prepares a written plan comprising ZIPP's proprietary and proven modules, namely:

• Wealth Protection

• Wealth Accumulation

• Wealth Management

• Wealth Distribution

5. IMPLEMENTATION & EXECUTION

Your ZIPP Adviser will offer ways to implement the recommendations or alternatives in co-ordination with other specialists outside of ZIPP (for example, experts in offshore tax), in order to increase your cash flow and optimise your capital gains.

6. REGULAR REVIEW & UPDATE

With ZIPP, you will benefit from regular reviews and revisions of your plans.

Your plan should be updated to account for changes in your life, in current economic conditions and in new investment opportunities. Periodic reviews show the progress you are making in reaching your goals.

The 4 Wealth Models that matter

WEALTH ACCUMULATION

Wealth Accumulation is important to ensure that you amass sufficient funds to meet your life goals and plan for a comfortable retirement.

Careful planning helps to prioritise objectives and, with the right execution, helps to optimise income, budgets, saving and investments.

WEALTH PROTECTION

Wealth Protection is the foundation of financial planning. It safeguards your wealth and future earning capacity and ensures that your financial goals are not side-tracked or delayed due to unfavourable life events. A complete evaluation considers financially detrimental concerns such as Premature Death, Disability, Major Diseases, Hospitalisation and Healthcare Costs, Accidents, Personal Property Loss, Theft and Restoration to Damaged Property to ensure that you and your family remain protected should such events occur.

WEALTH MANAGEMENT

Wealth Management involves strategically and efficiently managing your accumulated wealth, taking into consideration your assets, investments and tax status. An effective strategy is imperative to meeting your financial objectives and may even shorten the time it takes to meet them.

WEALTH DISTRIBUTION

Wealth Distribution ensures that your wealth is passed on to loved ones and through philanthropic activities according to your wishes. The appropriate estate planning services may include wills, trusts, holding companies, joint ownership, tax planning and other legal instruments.

With the right implementation, you enjoy peace of mind knowing that your wealth is efficiently distributed to your intended beneficiaries.

Our Investment Methodology

Our investment team takes a top-down, multi-asset approach to investing. We help clients navigate through adverse markets and capitalise on attractive investment opportunities across asset classes, guided by our experience and our proprietary Market Analysis model, which combines fundamental, technical and quantitative analyses.

MARKET ANALYSIS AND ASSET ALLOCATION

Our analysis is a systematic market analysis methodology employed by the investment team to assess and make sense of market conditions. This methodology applies a combination of primary and secondary research (economic data analysis, aggregated forecasts from economists and market specific analysts). The combination of fundamental, technical and quantitive analyses helps our team to determine when markets over-valued (bubble state) or under-valued and to decide on the eventual asset allocation.

V.E.S.T analysis is a systematic market analysis methodology employed by our investment team to assess and make sense of market conditions. This methodology applies a combination of primary and secondary research (economic data analysis, aggregated forecasts from economists and market specific analysts). The combination of fundamental, technical and quantitive analyses in V.E.S. T helps our team to determine when markets over-valued (bubble state) or under-valued and to decide on the eventual asset allocation.

The fundamental valuation of all major markets.

INVESTMENT/FUND SELECTION

The investment selection process for allocation involves a combination of quantitive and qualitative analysis of funds globally. Our investment team currently filters through over 700 regional and global funds to identify the best for each core category. These best funds make up our recommendation list.

PORTFOLIO CONSTRUCTION

Model portfolios have been constructed in-house based on the volatility target approach. The model portfolios cover varying levels of risk tolerance and, through further assessment, they can be tailored to suit unique requirements and preferences.

PORTFOLIO MANAGEMENT

Our advisers regularly monitor our clients' portfolios to ensure that their respective strategic asset allocation remains intact. Rebalancing will be triggered when the apportionment within the portfolio moves away from its original calibrations. In addition, on an ongoing basis, our investment team updates advisers with house views to provide them with insights to help their clients consider underweighting or overweighting in markets that are overvalued or undervalued. Our monthly Capital Watch newsletter provides clients with a comprehensive summary and opinion on global economies and markets.

INVESTMENT COMMITTEE

Our investment committee comprises seven investment professionals and is led by three veterans with combined investment and market experience of over 60 years. They area team dedicated to conducting macro trend, market and risk analyses as well as determining and implementing asset allocation, fund selection and portfolio construction.