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

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

The Company TAG Values Differentials Team Voting Policy Links / Informations Social Responsibility

Wealth Management Presentation Financial Management Real Estate Management Succession Plan

Strategic Management Presentation What we do Our investment process Differentials Team

Structured Products Overview Main Transactions

Media Monthly Letters Articles TAG at the Media Podcasts

Client Login Disclaimer Contact Contact us Careers Ouvidoria

SÃO PAULOAv. Brig. Faria Lima 3311 - 12º floorItaim Bibi - São Paulo - SPPostal Code: 04538-133Telephone: (11) 3474-0000

PORTO ALEGREAv. Carlos Gomes, 300 - 7• andar
Bairro Três figueiras,
Porto Alegre, RSCEP: 90480-000

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.

TAG Investimentos

Wealth Management Financial