Investment Solutions

At WISE, we use a disciplined consultative process to devise an appropriate long-term strategy that will that help you meet your individual investment objectives while at the same time manage risk. Our process is centred on strategic asset allocation—your optimal combination of stocks, bonds and mutual funds—to provide growth and income at a level of risk you feel comfortable with.

Our objective is to provide you with a tailored investment strategy that reflects the important principles of diversification, asset allocation and asset quality. Our investment process begins with identifying investment goals, determining tolerance for risk and quantifying income and growth expectations and liquidity needs. With a full understanding of your goals and financial situation, our investment specialists work with you to create, implement and commit to an investment plan that suits your needs.

At WISE, we do not advise relying on short-term expectations to structure an investment portfolio. In our view, successful investors begin with the assumption that neither market movements nor the fate of the economy can be accurately predicted with any consistency. We believe that investors may most effectively pursue their financial goals by maintaining a long-term focus with a diversified portfolio.

Diversification

Diversification is a technique that reduces risk by allocating funds among various investment categories that each react differently to the same market event. Investing internationally, for example, can help reduce fluctuations in a portfolio’s value because of the differences in economic and market cycles between countries around the globe.

Foreign investments also allow access to high-potential sectors not well represented in the local stock market, such as technology and industrials. With access to a wide range of local and international investments, WISE has the capability to provide valuable diversification and portfolio enhancement tools to our clients.

Asset Allocation

Discover New Investment Opportunities
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Portfolio Performance Reports
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While adding diversity to your portfolio may help manage and reduce your level of risk, just spreading money around in a haphazard manner only creates the illusion of diversification and is unlikely to give you the best return.

Asset allocation is a diversification strategy that takes a disciplined approach to determining the best blend of assets that offers the maximum potential return at the risk level that's right for you. Essentially, asset allocation is an organized and effective method of diversification.

Studies show that asset allocation is the dominant factor in determining the long-term performance of an investment portfolio. By combining assets which have dissimilar behaviour, asset allocation can help you minimize your risk of loss while maximizing your potential for return.

WISE has developed a series of efficient model portfolios based on the analysis of 20 years of historic investment data. Each asset allocation portfolio is built using non-proprietary products and designed specifically for citizens and/or residents of Trinidad & Tobago.

Whether you’re saving for retirement, a child’s education or your dream home, there’s a WISE Asset Allocation Portfolio that’s right for you. Our investment specialists can help you decide which portfolio matches your risk tolerance and investing goals.

Building an Investment Portfolio with Mutual Funds

The WISE Mutual Fund Selection Process
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Mutual funds make it easy and less costly for investors to meet their goals for capital growth, income and/or income preservation. These funds bring the benefits of diversification and money management to the individual investor by providing many different types of growth potential, furthering chances to diversify for different objectives.

In order to be well-diversified, your mutual fund portfolio should be invested in domestic and foreign stock mutual funds and in fixed-income mutual funds or income fund equivalents.

WISE has developed a disciplined selection strategy to identify its Select List from a universe of over 1000 world-class mutual funds. Our selection process consists of a number of screening factors including age, risk, return, management credibility and disclosure/reporting. Those funds in each asset category that best fit our criteria become part of this recommended list of securities.

WISE Top Picks

WISE Top Picks
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Annually we have picked local stocks which we believe in the coming year would provide a superior return while maintaining a strong long term outlook. In order to do this we look at company fundamentals and valuation, including ratio analysis, past and expected earnings growth, management’s track record and industry outlook.

The WISE Top Picks is an equal-weighted hypothetical portfolio of our preferred stocks listed on the Trinidad & Tobago Stock Exchange. The idea is to focus on stocks with a solid earnings history and good prospects for the future. The WISE Top Picks portfolio has consistently outperformed the benchmark index since its inception in 2001.

A Word about Risk

Every important decision in life involves some risk. Whether you're buying a home or changing careers, you need to weigh whether the potential rewards offset the risks. Making decisions about investing is no different. It is important that you feel comfortable with the way your money is invested.

At WISE, determining your specific risk profile is as equally important to us as addressing your return objectives. A person's tolerance for risk is inextricably linked to their willingness to invest and varies according to age, income requirements, financial goals, etc.

Since taking on some risk is the price of achieving returns, our goal is to find you the appropriate balance - one that generates the income or growth you expect in order to meet your objectives but still allows you to sleep at night.

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