Goal-Based Investment Management

This involves investment our clients’ resources in different asset classes such as capital and money market instruments, real estate and other investment instruments for the purpose of achieving their investment goals. Decision making on the asset allocation of the client’s resources could be made jointly with the client or at our sole discretion if so authorized by the client.

In order to invest successfully, we design a portfolio management process to ensure that your investments are managed as a spectrum of diversified investments rather than unrelated individual holdings. A Meristem Wealth Portfolio Management mandate allows you to sit with your Relationship Manager and define your investment policy. This investment policy defines your investment objectives (e.g. preservation of capital, capital growth, income generation, etc.); risk tolerance (below average, average, above average); expected rate of return; constraints (e.g. client’s values or ethics) and management style of the various asset classes contained in your portfolio. Guided by those investment policies, we create a tailor-made portfolio suited to your person. The weight attached to each asset class in your portfolio is dependent on your risk tolerance. For a risk-adverse investor, a higher weight will be allocated to instruments within the fixed income asset class, such as Treasury bills, Fixed Placements, etc.

Instruments employed to achieve our clients’ goals are:

Equities: Our equities selection process, which involves rigorous technical and fundamental analysis of stocks across sectors, coupled with our understanding of market expectations form the bases of all our investment decisions.

Fixed Income: Specifically targeted at individuals who seek to build a long-term portfolio of funds with the primary objectives of capital preservation, a steady stream of income and minimal exposure to risk. Investment instruments used include the Federal Government and State Government Bonds, as well as Treasury Bills.

Real Estate: We provide Real Estate investment advisory services, sale/purchase transactions, property valuation, property insurance advice, project advisory, property management and real estate portfolio management across various geographical locations in Nigeria.
Structured Products: These are investment products that are created specifically to meet our clients’ financial needs by combining different assets in a way that addresses their risk tolerance. Structured products are used in diversifying investment risk and creating more investment options from which clients can choose. Treasury bills, Euro-bonds, Real estate, currencies, domestic equities, global equities, Derivatives etc.; are among the asset classes that are combined to create structured products.