Discretionary Funds

We are able to build customized portfolios for investors with investible assets of US$4 million and higher. Our asset managers and research analysts use advanced analytical tools to conduct capital market research.  Our process is rigorous, inductive and includes a healthy exchange of ideas across the organization. The end result is a carefully constructed portfolio tailored to the client’s specific investment and estate needs.

Your LOM discretionary portfolio is benefited by an investment think-tank in the form of the LOM Investment Committee, a group of experienced investment professional. We incorporate our global investment insights into the design of an efficient portfolio, specifically tailored to your long or short-term goals.

LOM Asset Management’s Approach to Discretionary Management

We first clearly define and determine an investor’s goals, and discuss any constraints in order to achieve a realistic and comprehensive investment mandate or financial plan. Our initial asset allocation is arrived at after an extensive analysis of each client’s unique wealth objectives, personal profile and risk tolerance level.

Our collaborative investment strategy is then built upon reasonable expectations for risk and returns, and typically employs a diversified mix of investments to avoid unnecessary risks and maximize expected risk-adjusted returns over time.

In many cases our clients have multiple objectives – for example, retirement, schooling for children or grandchildren, legacy planning or operational business funding. These needs are all taken into account when developing the optimal discretionary portfolio allocation, to ensure our service meets our client’s needs.  After our initial review of a client’s financial objectives, we present a comprehensive investment plan (Investment Policy Statement or Mandate) which explains the rationale and empirical basis for the recommended asset allocation and investment strategy.

Our holistic approach to investment management through the development of a comprehensive Investment Policy Statement provides an accurate compass in setting course towards our clients’ objectives. This mandate is then reviewed by the investor and adviser. Meeting and revisiting objectives is particularly important as a client’s circumstances change during the course of their lifetime.

Our strategies are designed to endure through changing market environments, maintaining a disciplined approach yet flexible enough to adjust for unexpected events. This perspective and commitment to a properly constructed investment policy statement allows for a disciplined approach.

Adhering to the mandates outlined in the Investment Policy Statement and maximizing risk-adjusted returns on an opportunistic basis allows for both the comfort of having a diversified portfolio, which typically reduces of the portfolio’s overall level of volatility, while still providing the flexibility for outperforming defined benchmarks.

Statement of Investment Policy and Goals

LOM’s Asset Management Investment Policy Statements identify a client’s Return Objectives, Risk Tolerance, and Portfolio Constraints (Liquidity, Legal Requirements, Unique Circumstances and Time Horizon).

Next, a Strategic Asset Mix (stock, corporate bonds or government debt) is formed that will enable the portfolio to achieve these objectives while assuming the lowest risk possible through sector and security diversification.  The Asset mix policy weightings and ranges are then established to ensure the client’s Risk Tolerances are not exceeded.

Our ability to develop a clear strategic direction combined with our strong track record of achieving superior risk-adjusted returns has resulted in excellent financial results and strong client retention over the past two decades.

Contact us today to speak with a Private Wealth Adviser
LOM Asset Management Limited is the global portfolio management subsidiary of LOM Financial Limited, and is licensed to conduct investment business by the Bermuda Monetary Authority.

Please note: All investing is subject to risk, including possible loss of principal. Bonds and equities are subject to market sentiment, and an issuer’s inability to make interest or dividend payments will affect price. Diversification does not ensure a profit or protect against a loss but prudent management can reduce risk and increase returns.