Wealth Management

Wealth Management
Financial

TAG’s operating model enables the client to view and participate in all wealth management stages.
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Financial

 

TAG provides services to investors with different needs and objectives.

 
 

Clients that can invest in the financial and real estate markets.

 

Clients with funds concentrated in one single institution without diversification of assets, strategies and opinions.

 

Clients that seek constant monitoring of their investment strategy and general portfolio consolidation.

 

Major investors that wish to have access to numerous solutions.

 

 TAG’s operating model enables the client to view and participate in all asset management stages. 

  TAG WORKS WITH FULL INDEPENDENCE, IMPARTIALITY AND WITHOUT ANY RELATIONSHIP WITH FINANCIAL INSTITUTIONS. 

 

OPERATING MODEL

Client assets

Adequacy of the client profile and objective

Offer of products and assets in the market

Asset allocation strategy

Selection of the investment vehicle

Definition of investment structure and products

Client active involvement

Advisory Board (optional)

 

ASSET ALLOCATION AND CUSTODY AT THE BANKS

INSTITUTION A

 

INSTITUTION B

 

INSTITUTION C

 

INSTITUTION D

 

IMPLEMENTED PORTFOLIO

 ASSET MANAGEMENT IS TRANSPARENT AND INTEGRATED IN ALL STAGES, AND THE CLIENT ASSETS ARE ALWAYS HELD IN CUSTODY AT FIRST-CLASS INSTITUTIONS. 

 

INVESTMENT PROCESS

CLIENT PROFILE

  •  Meetings and personal interviews
  •  Liquidity requirement
  •  Medium- and long-term objectives
  •  Risk tolerance
  •  Market intelligence
  •  Analysis of the current portfolio
  •  Definition of the investment policy

INVESTMENT VEHICLE

  •  Asset position
  •  Tax optimization
  •  Cost reduction
  •  Expected return

Products

  •  History of return
  •  History of volatility
  •  Wealth managed
  •  External rating
  •  Term
  •  Operating market
  •   Attention to new types of products and differentiated operations

RISK ANALYSIS

  •  Exposure limits
  •  Market risks
  •  Credit risks
  •  Liquidity risks
  •  VaR
  •  Stress Test

MONITORING

  •  Conference calls and periodic visits to managers
  •  Opening of the investment fund portfolio
  •  Medium- and long-term objectives
  •  Risk analysis for each product
  •  Market intelligence
  •  Analysis of qualitative factors for each product (personnel change, inconsistency, management approach, etc.)

ACTIVE MANAGEMENT

  •  Daily portfolio monitoring
  •  Investment Committee
  •  Management alignment in conformity with the policy, risk control and economic environment
  •  Fast, opportune changes in the portfolios

Consistent returns in the long term | Capital preservation| risk control

 

MANAGER AND ASSET APPROVAL

Manager Identification

 
  •   Market survey
  •   Contacts with institutions
  •   Quantitative aspects

Selection

 
  •   History and structure
  •   Manager qualification and reputation
  •   Management, training and experience
  •   Qualitative aspects

Due Diligence

 
  •   Judicious questionnaire and personal visit
  •   Investment process
  •   Compliance and controls
  •   Consistency and transparency
  •   Risk management

Approval

 
  •   Investment Committee
  •   Exposure limit definition
  •   Institution rating definition

Allocation

 
  •   Manager is available for possible allocation
  •   Active management

 NO PRODUCT IS INCLUDED IN THE PORTFOLIO WITHOUT A GOOD REASON. 

 

RISK CONTROL

TAG uses the ROSYS risk system, which enables calculating the risk using various modeling tools and simulating new positions, thus maximizing allocations inside the portfolios:

  •   Parametric VaR
  •   Non-parametric VaR – historical simulation
  •   Non-parametric VaR - Monte Carlo simulation
  •   Benchmark VaR (B-VaR)
  •   Stress test

Additionally, we conduct numerous supplementary studies to assist with risk control and portfolio construction:

  •   Sharpe
  •   Volatility (assets and portfolio)
  •   Tracking Error
  •   BackTesting

Before being included in the client portfolio, transactions are subjected to the ROSYS simulation method and the PRISMA system to verify whether they are in accordance with the investment fund regulation and the prevailing legislation (in the case of pension funds). Both systems issue a warning in case of transactions that are not in compliance with the registered limits.

ALLOCATION DECISION BY THE COMMITTEE

Allocation Committee

MARKET RISK TEST

Risk Parameterization System

CLASSIFICATION TEST

Classification and Validation Test

ORDER AND CUSTODY

Controls (Administrator)

 
 

VEHICLES

Restricted funds

 
  •   TAG offers numerous funds with differentiated strategies and risk profiles, exclusively dedicated to its clients.

Custody account

 
  •   Similarly to the managed portfolio, the client assets are held in custody at first-class institutions, enabling full access to all assets in the market, such as public and private securities, unit funds, shares, etc., including trust in the management of investments.

Exclusive funds

 
  •   Possibility of investment in all assets available in the market: public and private securities, shares, derivatives and other FIs/FIMs.
  •   Management conducted according to the investment objectives and policy previously defined together with the client.
  •   Held in custody at different market institutions.
  •   Agility in the operating process of investments, as well as simplification of the annual income tax return.
  •   Vehicle with significant tax optimization.

FIC FIM/FIM

Investments in investment fund (FIC) units or in all market securities (FIM).

FIC FIA/FIA

Vehicle used for investment exclusively in investment fund (FIC) units or shares and derivatives traded at the stock exchange (FIA). Minimum allocation of 67%.

Closed-end FIC/FIM fund

Currently, the best vehicle for long-term investment, with considerable tax efficiency. It can be either FIC or FIM. It has restrictions with respect to movements.

 

POSITION CONSOLIDATION

Besides receiving the reports from all institutions where funds are allocated, TAG clients also receive consolidated reports so as to be able to have all necessary information in one single place.

Personalized performance report

 
 
 

Access to positions through the Internet

 
 
 
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SÃO PAULOAv. Santo Amaro, 48 - 6th floor Itaim Bibi - São Paulo - SPPostal Code: 04506-000Telephone: (11) 3474-0000
BELO HORIZONTEAv. Afonso Pena, 4.273 - Room 305Serra Belo Horizonte - MGPostal Code: 30130-008Telephone: (31) 2511-4936
CAMPINASR. Quirino do Amaral Campos, 144Sala 803 - Cambuí - Campinas - SPCEP: 13023-570Telefone: (19) 3342-7557
FLORIANÓPOLIS João Paulo Highway, 920,
João Paulo Neighborhood,
Florianópolis, SC Telephone: (48) 99933-2500
PORTO ALEGREAv. Carlos Gomes, 300 - 7• andar
Bairro Três figueiras,
Porto Alegre, RS.
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The information contained herein is only informative. Past profitability does not represent assurance of future profitability. Investors are urged to read the fund prospectus and regulations carefully before investing. Investment funds are not guaranteed by the fund administrator, the fund manager or by the Credit Guarantee Fund (FGC). To assess the performance of an investment fund it is recommended that a period of at least 12 months be analyzed. The profitability disclosed is not net of taxes; for more information about products and risk of funds, please contact our Customer Service Center.