Investment Services

Tirthas Asset Management offers financial services to retail, sophisticated and institutional investors. 

Our expertise in the field of investment comes from our passion for active management. Our goal is to achieve above-average performance. We analyse all our clients needs in order to offer customized solutions according to:

Priorities
Expectations
Time Horizon
Risk Profile

A Tirthas MDA service is a licenced product which allows Tirthas to trade on your behalf in a designated strategy of your choice.

Key features of a Tirthas MDA:

  • No entry or exit fees
  • You retain ownership and control or your account and the investments at all times
  • Managers have discretion to buy and sell as per the Investment Strategy without needing the client to confirm each trade
  • Regular reporting of assets held
  • Direct Access to your Client Adviser
  • Profit based – performance fees paid on profits only
  • Complete transparency
  • Funds at call

We understand that a diverse and sophisticated clientele such as ours requires unwavering dedication and exceptional advice. After carrying out a thorough examination of the client’s profile, we create a personalised evaluation of the fields where wealth management advice is most needed. Your financial adviser will work closely with you to determine your investment preferences and performance objectives. Based on a detailed understanding of your unique situation, capacity for loss and attitude to risk, a goals-based strategy will be developed, tailored to your special requirements.

The financial plan crated will include a customised set of proposals, ranging from investments to tax structuring and retirement planning. Combining innovation with efficiency, our wealth planning solutions contain original ideas and highly regarded providers. Once your investment strategy is in place, your personal adviser will be in charge for making all the day-to-day decisions to ensure that your portfolio complies with the agreed guidelines and investment mandate. Our guidance will give you the peace of mind that your money is being looked after by a competent adviser, who is attuned to the vagaries of the markets.

Tirthas provides comprehensive wealth planning solutions that complement our investment management services. Catering to the different needs of retail clients, families and trusts, we employ an integrated approach for various aspects of wealth management, such as:

  • Retirement Planning
  • Investment Structuring
  • Financial Protection

Our financial planners are committed to provide expert advice, tailored to your personal requirements that will preserve and increase the value of your wealth. Your investment manager will, then, implement and manage the investments within these structures.

What sets our approach apart is the detailed research process we adopt to identify investments that meet our strict criteria. Our holistic approach enables us to always make recommendations that are in our clients’ best interests.

Retirement Planning

Retirement is a crucial part of wealth planning. The average life expectancy, as well as the state pension age, is increasing globally and this has a substantial impact on each person’s retirement plans.

Regardless of what life stage you are in, it is critical to get sound and dependable advice with regards to your retirement plans. Whether you want to establish or assess existing retirement planning strategies, we are here to help you ensure a comfortable retirement.

We will help you focus on the three key elements of retirement planning; that is accumulation, investment and benefit strategy. The integration of these essential elements is critical in order to deliver an efficient and flexible retirement plan.

Giving you expert advice to plan for your future is a big part of our business. Our specialists will work by your side to determine your retirement income goals and assist you to make informed decisions in order to make the most of your retirement.

The value of an investment is directly associated with the performance of the strategy selected, thus it may fall as well as rise. Investors may get back less than the amount invested.

Investment Structuring

Our mission is also to provide the best possible tax returns to our valued clientele. This entails ensuring that all investments are made in the most tax efficient way. We take pride in staying current with all the developments in the field and frequently assessing our strategies in order to ensure maximum tax efficiency for your investments.

Deciding how to invest your money can be a daunting task. That is why we have designed two risk-related portfolios from our broad spectrum of funds to help you select the most suitable investments and achieve your goals.

Growth Portfolios
Tirthas’s Growth Portfolios are targeted to individuals who want to increase the value of their assets and attain capital growth in the medium to long term. These could be persons investing for the future or saving to pay for university fees or retirement. We offer five Growth Portfolios for investors with different levels of risk tolerance. 

Income Portfolios
Income Portfolios are designed for those who want to create a sustainable level of income. They are ideal for individuals who aim to receive additional income for retirement. We offer three Income Portfolios with different levels of risk. Please note that the higher risk portfolios will not necessarily bring a higher income, but they have a greater possibility of increasing income and capital growth in the medium to long term. 

Financial Protection

Safeguarding yourself and your family against an unexpected event or misfortune should be the cornerstone of a solid financial plan. Protection is deemed necessary when the standard of living of a family is adversely affected, as a result of unemployment, serious illness, incapacity due to accident or sickness, or in the event of death.

Financial protection can give an investor considerable peace of mind. This could be done through a:

  • medical insurance and critical illness cover
  • life assurance policy
  • wage earner protection programme
  • income replacement plan
  • business protection

Tirthas’s wealth planners have a great extent of knowledge in the financial protection area. They are ready to work closely with you to discuss any concerns you may have about tackling vulnerabilities and protecting your family, as well as draw your attention to financial risks that need to be considered. We offer a broad range of financial protection solutions, our specialists will examine all available protection options, while evaluating your financial situation and future plans, and arrange the agreed solution.

Tax is a major consideration in planning business activities and managing personal finances. We have established partnerships with a professional network of experts specialising in tax law, in order to provide you with solutions that are versatile enough to deliver responsive returns in the long run.

Our partners offer customised tax planning solutions to accommodate your needs and reflect any changes in your personal circumstances on an on-going basis. The tax advisers will analyse your financial plan from a taxation perspective in order to align it with your financial objectives. They will, then, design the most tax-efficient wealth structuring solutions to reduce your tax liability to the minimum required by law.

Tirthas is by your side every step of the way, to make sure that any taxation changes are always lined up to your wealth management goals.

Offshore Services

Tirthas partners offer offshore portfolio management services on a discretionary basis for a wide range of international clients, including non-resident, non-domiciled individuals living overseas, as well as offshore companies and trusts.

Our expanding client base is diverse, with many of them falling under a specific tax regime, but with the long-term goal of residing in another country, often their country of domicile. Offshore investments are a highly sought-after option in cases where:

  • a parent has given money to a minor
  • a person expects their marginal tax rate to drop
  • an investor is entitled to an age-related personal allowance
  • an expatriate wants to legally avoid tax

We cooperate with an international team specialised in delivering optimised offshore investment strategies that meet our clients’ needs and objectives. After evaluating several key factors, such as your country of residence, domicile, tax status and income, they will recommend the most suitable investment structure in order to attain maximum after-tax returns.

The investment options they offer are designed for individuals who want to either invest regularly or as a lump-sum into various asset classes. These offshore investments are structured to:

  • Provide a regular and stable income
  • Enable you to switch between funds easily
  • Maximise growth prospects and spread risk
  • Reduce your Income and Capital Gains Tax liability

Inheritance Tax Portfolio Services 

Succession planning involves a number of emotional issues and complexities. Our partner wealth planners have a thorough understanding of the current regulations regarding inheritance tax and will be glad to provide you with all the essential information to fulfil your wishes. They are committed to help you determine the most suitable solution to secure your family’s assets and make sure that they are passed on to the right hands at the right time.

Two of the most advanced financial vehicles to be incorporated within an investor’s estate plan are trusts and foundations. Trusts and foundations are highly effective structures, as they offer confidentiality, flexibility, security and control. Investors can greatly benefit from the formation of such structures, as they enable them to:

  • Ensure that their assets are reserved for the needs of the immediate family and successors.
  • Protect their assets for the benefit of vulnerable family members and dependents.
  • Prevent forced or statutory inheritance imposed by disposal restrictions under their domestic regime.
  • Make arrangements for the retention and management of a family business for future generations.
  • Protect their assets against creditor claims and litigation.
  • Avoid complex, costly and time-consuming probate court proceedings.