Our Method of Creating & Maintaining Wealth

Investing our clients’ funds is a demanding and responsible task, one we do not take lightly. One of our guiding principles which we strictly adhere to is to invest client funds in instruments and strategies in which we too are willing to invest in and own personally.

According to client requirements, we will develop the best investment strategy based on the investment horizon and risk tolerance of that particular client.

The agreed upon investment strategy will be implemented by investing in a diversified portfolio composed of different asset classes, which is actively manage by our qualified portfolio managers.

Throughout our dealings with our clients, we will monitor any and all personal and/or business changes that may impact on the agreed upon strategy and in consultation with clients will develop new and appropriate investment solutions if the need arises.

Relationships with our clients are based on an individualistic approach, discretion and a long-term, forward-looking partnership.

InterCapital offers investment solutions through five different investment profiles: cash, conservative, balanced, growing and aggressively growing portfolios.

The structure and shape that the portfolio ultimately takes is dependent upon the respective client’s current stage in life and their individual needs and interests.  The personal situation of each client is definitely the most important factor in the development of our forward-looking investment strategies; therefore, life cycle phase is a guiding framework for structuring the portfolio (see diagram below).

In the first phase, individuals typically have low salaries and high costs. For many of today’s professionals, education may run through their late 20′s or early 30′s, at which point a career begins to develop, revenues earned, and profits accumulated. During this time portfolios are generally smaller and more focused towards long-term growth. The high costs which are typical for this stage can be attributed to the re-payment of education loans, as well as the first time home and / or vehicle purchases.

The second phase is characterized by increasing net income and higher costs associated with both having and raising children. Establishing a family unit results in increased costs at this stage, and reduces the possibility of savings as well. In this phase, portfolios should be focused on long-term growth and increasing the equity component of the portfolio.

The third phase is characterized by peak earnings potential. Savings, investment and the elimination of credit are typical for this phase. The stock component of the portfolio is still significant.

In the fourth phase, the emphasis is usually diverted to preserving capital while maintaining the same lifestyle. During retirement, living costs are lowered; however, money is often spent on leisure, travel and hobbies. The importance of the pension plan becomes apparent during this period. Given the fact that the time horizon is shorter in this phase, it is desirable that the portfolio(s) consists of risk averse asset classes.