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Investment Advisory Services

SCB Private Bank has a team of experienced investment advisors to serve high and ultra high net worth individuals. Our well-rounded advisors know every investment product and thoroughly understand their pros and cons. They have received intensive internal and external training because we want our advisors to be among the best investment advisors in the industry both locally and internationally. Professional licenses are essential for all our advisors to ensure that our clients will receive the highest quality professional investment advisory services.

Our clients will receive not only informative and useful market in-sights and analysis, but will also benefit from timely investment ideas that can be put to work. As a key industry player and supplier, SCB can offer clients a wide range of investment products.

Our step-by-step investment advisory services approach helps our clients achieve their investment goals by:

  • Employing an SCB Private Bank risk tolerance questionnaire to help identify client investment risk profiles.
  • Advising clients to better diversify risk through investment asset allocation.
  • Preparing personal investment advice and proposing ideas to individual clients based on their investment risk profile.
  • Exploring client views and collecting feedback in order to assist in finding products that meet client needs.
  • Constantly monitoring client investment returns to keep them updated both on their investments and the market situation.
  • Offering appropriate investment advice when there are new developments in the market.

Our four investment risk categories and their definition

Capital Preservation

Investors seeking capital preservation tend to tolerate only a minimal amount of risk. It is critical that their investments help preserve their capital, despite low returns that cannot beat inflation rates.

Current Income

Investors who belong to this group can tolerate some risks and want to receive current income from their investments. Returns from investments will have to be better than the inflation rate and/or deposit interest rates of the local commercial banks. These investors usually spend their investment income on living expenses.

Income & Growth

Investors who belong to this group can tolerate some risks and want to receive current income from their investments. Returns from investments will have to be better than the inflation rate and/or deposit interest rates of the local commercial banks. These investors usually spend their investment income on living expenses.

Growth

Growth investors will take high risks in their investments. They invest for high investment returns. Growth investors would allow values of their investments to partially decline before the values increase back over the time to yield attractive returns.

Asset Allocation for the PrivateClient

SCB Private Bank has categorized investment assets into several asset categories so clients can diversify their risk among different asset types as follows:

  • Cash or cash equivalent of, e.g. Bills of Exchange ( B/E ), Treasury Bills
  • Fixed Income, e.g. Government Bonds, Corporate Debentures
  • Equity
  • Alternative Products, e.g. Structured products, Private Funds, F/F, etc.

Investment assets of all types are differently allocated among the four investment portfolio models at SCB Private Bank in accordance with client investment risk appetites. Only the most appropriate investment portfolio models will be proposed to clients based on their relevant investment risk profile. The four investment portfolio models at SCB Private Bank are:

  • Capital Preservation Portfolio Model
  • Current Income Portfolio Model
  • Income and Growth Portfolio Model
  • Growth Portfolio Model