Investment Advice

TYCHE is an independent investment adviser and offers ethical financial advice based on each client's unique requirements. We assist clients by initially reviewing their existing assets and liabilities. Once objectives are identified and clearly defined, we tailor solutions which are based on our understanding of our clients' requirements. We do not engage in aggressive product sales and offer a comprehensive professional service designed to develop long-lasting client relationships.

Financial Planning

TYCHE specialises in comprehensive planning and we assist our clients in identifying and achieving their overall objectives. We enable our clients to acquire, utilise and control their financial resources more efficiently. Financial planning allows individuals to gain absolute control through proper fund allocation and management. The objective is to enhance positive cash flow while reducing excessive debts and liabilities. We tailor solutions which allow our clients to accumulate adequate funds to meet specific future needs such as education and retirement.

In summary, this service helps our clients in achieving a sense of financial freedom through meticulous allocation of available resources.

Portfolio Management

Our discretionary portfolio management service is aimed at producing consistent and reasonable returns in all kinds of market and economic environments. We have access to all types of assets in major world markets and utilisation of any particular asset-class will depend on each client's individual risk/return parameters and specific overall requirements. Once suitable sectors and asset-classes are identified, we will conduct our research and pro-actively manage/monitor the progress of the assigned portfolio.

Our prime objective is to avoid themes or areas which are widely accepted and are therefore, highly priced and risky. For instance, we totally encashed our clients' equity holdings in October 2000 and have only recently reintroduced a minimal exposure to undervalued sectors which represent true value.

Estate Preservation

Estate preservation is a key element in producing a full and comprehensive financial plan in order to secure the value of long term wealth and avoid the many pitfalls which can arise.

Taking care of the family and generation planning is essential for peace of mind and through our active advice with structures such as trusts, foundations and wills, we are not only able to ensure the smooth flow of assets to appropriate beneficiaries but also initiate a high level of tax planning which serves to minimize unnecessary erosion of assets.

Even the most straight forward process of probate will create delays and complications, which through the completion of a simple nomination form can be totally avoided for many asset classes.

Whilst estate preservation is often considered as a means of saving tax, we also view it as a means of saving the family.