Finance

Brighter future solutions (BFS) offer internally focused financial advice to individuals, cooperation’s both established and startups. We offer a comprehensive and diverse support for all businesses and individual matters affecting our client’s finances some of our clients includes, private individuals, insurance companies, banking organizations consisting of domestic, international, investment, government-owned commercial and development banks, broker/dealers, and investment advisers. Over time we have developed reach across various branches of the financial sector. The innovative and progressive business models accompanied by well-grounded professionals and an efficient data analytics system has given the entire company a recognized identity among the elites with the investment sector, resulting in partnerships with top investment firms, hedge fund companies, real estate development institutions, private equity firms and organizations and a vast amount of third-party service provider firms. Our clients over the periods of working side by side along us have experienced an increase in shareholder value and an improved capital efficiency. We have satisfied the needs of most globally recognized individuals company’s entities and cooperation across various industries involving finance. We also have a significant practice advising individual, sponsors and corporate borrowers. We provide advice counseling and managed care on a diverse range of matters including:

• Consumer financial offerings, including prepaid cards, e-wallets and other cyber currencies
• Payments processing and systems, including e-payments, cross-border remittances and foreign exchange transactions
• Corporate crime & investigations
• Financial advisory matters across the world
• Managed care in conducting banking and non-banking operations

Financial services

Debt Relief

Debt relief involves the reorganization of debt in any shape or form so as to provide the indebted party with a measure of remedy, either fully or partially from the creditor or creditors. Debt relief can change the terms or amount of your debt giving you the opportunity to get a hold on your finances. Indicated below are the main purpose behind a debt relief.

Reasons to consider Debt Relief
1. Reducing the outstanding principal amount, you owe to your creditors
2. Lowering the interest rate on credit cards and other types of unsecured loans
3. Extending the term of a loan to reduce monthly payments

Types of Debt
Secured Debt
Unsecured Debt

Unsecured Debt

Unsecured debts are debts which lack any collateral securing the creditor, lender or financers funds. Example of unsecured debts include credit cards, medical bills & utility bills. When a lender makes a loan with no asset held as collateral, it does so only on the faith in your ability and promise to repay the loan. If you fall behind on your payments, they generally cannot claim your assets for the debt While on a default on the loan they can’t claim your assets as repayment for your debt, the lender may take other actions to get you to pay what you owe such as Hiring a debt collector Wage garnishment Reporting of debt to credit bureaus affecting your credit score

Secured Debt

Secured debts are secured by an asset, such as a house or car. The asset serves as collateral for the debt (hence why it’s called a “secured” debt). Lenders place a lien on the asset, giving them the right to seize (e.g., repossess or foreclose) We offer a debt relief program compromising of familiar debt relief strategies deigned to satisfy your unique situation Below are the debt relief strategies that are employed

Debt Relief Options

The solutions we offer you have in relatively to your debt issues or disagreement with your creditors has been tested and proven to be financial efficient and effective. The members of our Debt relief and management department here at Bf solution group has ensured that all factors and facts of your individual situation are being taken into consideration before solutions are being offered. Bf Solutions group is highly equipped and knowledgeable to assist you through your financial issues. Here are 4 main solutions, we offer also guiding you through your decision making ensuring you are making the right choice regarding your unique situation.

Minimum Payments

Minimum credit card payments allow you to pay the least amount possible, month-by-month. minimum payment is usually calculated as a percentage of your total debt plus any fees, such as interest, that have been added to your balance. Minimum card payments are considered good for the short-term debts, in the long run, they simply not advisable because On the surface, minimum card payments can seem like an affordable idea, but in the long term, minimum card payments are extremely costly. Minimum payments are needed to keep the debt current are small compared to the balances. Yet, as your balances reach the credit card limit your credit score declines. A lower credit score could result in the credit card company lowering your credit limit and/or raising the rate, making it harder to pay off the debt.

One way to pay more than the minimum payment is to make multiple credit card payments in one month. After making the minimum payment on time, any additional payments will help decrease your balance even faster. And that can also reduce the interest charged over time.

There are a few ways to help lower your credit card minimum payment. You might try making fewer purchases with your card until your balance decreases. A lower balance could mean less interest charged, which can lead to lower minimum payments.

You could also try to make payments that are more than the minimum amount. Paying more than the minimum amount can help reduce your balance sooner and lead to lower payments over time. These approaches can also lower your credit utilization ratio, which may help improve your credit score

NO, monthly minimums change for month-to-month factors affecting the changes are.

Missing a Minimum Payment or Paying Less Than the Minimum Payment: paying less than the minimum amount required or missing of payment entirely, even by a day it is very common for you to be charged a late fee which will be added to what you owe that will be calculated to achieve the minimum payment.

Additionally, missed payments can also impact your credit score especially if you’re late by more than 30 days.

Paying more than the minimum payment can help you cover the interest charged while also decreasing the total balance on your card. Paying more than the minimum amount also helps limit the interest you’ll owe over time. And the less interest charged, the lower your minimum payments could be.

pay the minimum amount and make fewer purchases with your card, you might be able to pay down the balance on the card. The minimum payment required may help keep your account in good standing. And you typically won’t face any late fees or penalties. But if you don’t pay your account balance in full every month, you will be charged interest.

Bankruptcy

Bankruptcy involves a court proceeding in which a judge and court trustee examine the assets and liabilities of individuals and businesses who can’t pay their bills and decide whether to discharge those debts so they are no longer legally required to pay them. The disadvantage of filing for bankruptcy, is you stand to lose a lot more than just your credit score. Certain types of bankruptcy like Chapter 7 will require the liquidation of assets, including your home, life insurance plans, pension or savings, and more. Any of these items could be liquidated to pay off your debt, leaving you with even less than when you started.

    • Note: student loans, secured debt, child support, alimony, Fines, penalties, restitution owed for breaking the law, Certain tax debts, Debts that arise out of another person’s death or injury as a result of you driving while intoxicated aren’t going to be expunged through a bankruptcy filing.

Reasons to consider bankruptcy

    • Lowering monthly payments on debts as auto loans, but still being able to retain the vehicles;
    • Getting a fresh start with little or no debt remaining;
    • Stopping collection activity such as garnishment and/or repossession.

Our thought on filing for bankruptcy

filing for bankruptcy is not a decision to be entered into lightly. it is important to get good information and carefully weigh your options

    • If you have received a notice that your home is going to be foreclosed;
    • If you have received a notice that your car is going to be repossessed
    • Tax debt that can’t be paid off within 12 to 24 months.
    • Unable to meet your basic monthly expenses, such as groceries, housing, transportation, and
    • Utilities, without using credit to make your expenses;
    • More than one month behind on your mortgage
    • Behind on your vehicle and unable to catch up;

Our approach towards filing for bankruptcy

Once you have considered every available option and have decided that filing for bankruptcy is your best option, we recommend you shouldn’t embark on the journey without the necessary guidance. As filing for bankruptcy is a legal proceeding you will be needing the guidance from our group of legal counsel and attorney who will help you better understand and navigate through the entire process till you reach your destination.

below are some of the steps to expect when filing for bankruptcy

Assets evaluation: This includes anything you own that has value, such as stocks, savings accounts, real estate, cars, collectibles, home furnishings, clothing, and art.

Debt identification & evaluation. This list should show the creditor, current balance, interest rate, and monthly payment for each of your debts. Include all debts, even those you’re current on paying and those you can’t discharge in bankruptcy.

Income evaluation. Include any money you’ve received for any reason in the past six months, any money you expect to receive in the future, how often you receive this money, and where it comes from. That includes regular wages, unemployment compensation, side job income, dividends and interest from investments, pensions, and money contributed to the household by other people, such as your spouse or family members.

Expense evaluation. Include your costs for rent or mortgage, food, utilities, medical expenses, clothing, taxes, transportation, child support, and alimony. When listing variable expenses, such as utilities, calculate an average based on the past year’s monthly bills.

Documentation of Pay stubs for the last two months, if any, and a statement detailing any anticipated changes to your income and expenses after filing.

Evaluation of tax return or transcripts for the most recent tax year.

The result of the total inquire will aid the attorney or legal representative attached to your file evaluate and chose which type of bankruptcy you are eligible for and how it can assist with you finances. if you need the proper guidance do not hesitate contact and seek help now

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FAQ

Most consumer debt can be eliminated through a bankruptcy discharge. If you forget to include a debt in the filing of bankruptcy paperwork, it will not be recognized for a discharge. Giving creditors the opportunity to ignore the discharge of that particular debt.

There is no minimum amount of debt to qualify for bankruptcy. It is also important to keep in mind that there are limits on how many times you can discharge your debts in bankruptcy and a time spacing for which you can file for bankruptcy.

Note: If your debt amount is relatively low, it may be a good idea to consider alternative solutions

It is certainly possible for an individual to file for bankruptcy without a lawyer (or “pro se”). However, the rules and procedures governing the bankruptcy discharge process are extremely complex, and it can therefore be very beneficial to an attorney with experience in bankruptcy law our debt relief team comprises of vastly experienced lawyers who have handled numerous bankruptcy cases with numerous scenarios.

Debt Consolidation

Debt consolidation is a financial strategy, and a debt relief program involving the combination of several debts mostly unsecured —payday loans, credit cards, medical bills—into one monthly bill with the purpose of lowering the interest rates. Debt consolidation lowers interest rates, on multiple debts of the same kind rolling them into a single payment with the purpose of mitigating the interest rate and possible the amount in debt. A successful plan will reduce your monthly payment to an affordable rate and eliminate debt within a reasonable amount of time.

Our debt consolidation strategies
Credit Card Balance Transfer

Credit card balance transfers involves shifting credit card debts from one or many cards to another with a lower interest rate. Balance transfer offers only apply to credit card debt. When considering a balance transfer you should take into account the total amount of debt, you’re carrying on all cards, calculate how much you can pay toward the total debt during the low-APR window and then how much you will pay in interest after the rate reverts to a higher APR.

Consolidation loans / Personal loans

are effective tools used to mitigate debts Consisting of using loans to finance a combined multiple debt into a single debt payment. Example Let’s say you have $8,000 in credit card debt and owe $5,000 in medical bills. With a debt consolidation loan, you could pay off those balances with a single loan of $13,000, featuring only one monthly payment amount and one monthly due date. A single loan could make your finances easier to manage Instead of numerous payments, you would have just one recurring monthly payment. Consolidating your debt with a personal loan in most cases will be advised and considered a better option. Click below to know more about the various loan offers available to you.

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Our thoughts on when debt consolidation is a good idea

  • Your total debt excluding mortgage doesn’t exceed 40% of your gross income
  • Your credit is good enough to qualify for a 0% credit card or low-interest debt consolidation loan
  • Your cash flow consistently covers payments toward your debt
  • Multiple indebted accounts with similar interest rates

Our method of approach towards Consolidation

The first step towards making debt consolidation possible will be identifying the various sources of the indebted account. calculating the total amount used to finance your account with your creditor’s monthly or the total amount you’re in off followed by the estimation of the average interest charged on each account by your creditors. The results of the estimation and inquires will be providing a baseline for a number of comparisons.Followed by a review of budget, income and expense, certain necessity expenses will be taken into account such as (food housing, utilities and transportation) finding out how much available funds is left to finance the principal and interest rates? The information yielded by the inquiries into the income and spending ratio gives a clear idea of the financing that will be needed to satisfy the debts additionally. You will be enrolled into a debt counselling program with feasible plans formulated preventing you from running up debt again.

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FAQ

As most lenders and creditors deem individuals with a bad credit risky thus making securing loan out of reach or more expensive but with our consolidation program, we give individuals a benefit of doubt offering a second chance to make amends with their finances. Visit our various loan options so you can have an idea of the various options you may have access to if you’re a looking to consolidate your debts with a bad credit.

During a debt consolidation program hard pulls will be carried out on your various accounts to have an idea of what to expect with your account and situation unfortunately these pulls will have a mild effect compared to bankruptcy. If you are already behind on your bills, your credit score will already be lower so the effects of our program may not be as severe. You have to decide if it’s better to resolve your debt now at a lower cost and then rebuild your credit.

There is always a possibility that any creditor can sue you. However, lawsuits are expensive and creditors try to avoid them. We aim to complete the program as quickly and efficiently as possible to avoid any lawsuits.

Most forms of unsecured debt can be included in our Program.

Credit repairs can’t be accomplished at one go as credit damages are attain progressively similar situation applies to repairs by staying on our Program, you effectively restructure your debt causing your credit rating to progressively improve.

No. Debt Consolidation is not a loan; it is a debt relief program, which could involve loan. The main ideaof debt consolidation is to either mitigate interest and principal debt cost.

Debt Settlement

Debt settlement involves the negotiation for the reduction of the indebted amount usually a combination of the agreed interest and principal owed to the creditor or lender. At Bf Solution our debt settlement group is committed to helping you pay off almost any type of unsecured debt devising a settlement program acting as a liaison between you and your creditors with the aim of mitigating the cost of the indebted amount on your behalf. Our experience within the sphere of debt negotiation has given us the edge over any possible competition with our industry by understanding the difficulties each client faces individually we are able to face the issues efficiently with strategy’s patterned to resolve the unique situation of their finance. Our debt settlement group works side by side with our credit counseling group ensuring the resolution of your debt and the rebuilding of your finances

How does debt settlement work?

At Bf Solution our debt settlement group approaches debt settlement with a variety of ways. Our team contacts your lenders or creditors on your behalf and work to negotiate a lower payoff amount for your unsecured debt such as credit cards.

  • Debt review involving both principals and interest rate evaluation
  • Identification of your lenders/Creditors
  • Contacting your lenders /creditors evaluate the status of your account in a situation where your account is more than six months overdue, the debts likely has been turned over to a collection agency
  • Settlement account crediting
  • Negotiation beginning and agreement conclusion

Example, if you owed $10,000, we can bargain with your creditors reaching an agreement to shave of 50% of your debt reducing your total debt to $5,000

FAQ

The whole idea surrounding debt settlement is the bargaining of indebted amount reducing the indebted amount. It is considered a feasible debt relief option.

Your bankruptcy will be shown in your credit report for up to 10 years. It’s also a matter of public record. Any work or job that requires your background check might get affected. The effects of bankruptcy are unavoidable, but you can manage your finances even after debt settlement.

You can pay off all unsecured debts (medical bills, payday loans, credit cards, department store cards,)  and specific secured debts contact a representative to know more about secured debts that can be settled with the program etc

  • Debt settlement requires less time, you can regain financial independence within a considerable amount of time.
  • You can avoid creditor harassment when you enroll in a settlement program, you will no longer have to deal with creditors directly.
  • You do not have to bother paying multiple creditors simultaneously and missing payments. Under the settlement program you are expected to only finance the settlement account.

The goal of every lender is to retrieve leant funds without risking much in terms of value or profit losses  meaning creditors it profitable to settle debts rather than selling them off to collection agencies at a comparatively lower price.

INVESTMENT MANAGEMENT

At Bf Solutions we offer a finance team providing investment strategy’s tailored to your financial plan, not simply market benchmarks providing a range of solutions and partners in the industry that enable a tailored set of solutions to serve our clients ’goals. When it comes to investment, we rely on applying core investment principles which includes portfolio diversification, risk management and disciplined long-term investing focusing on delivering returns with long-term investments utilization strategies. The investment strategies we apply are built to address the challenges of historically low interest rates while delivering returns with long-term growth potential using tried-and-true principles and positive business perspectives rather than short-term growth influenced by market noise.

Our Investment principles are grounded on

Style Consistence: Managing investment successfully require various criteria and discipline but amongst those we have come to understand consistence is as important as the strategy applied in asset allocation ensuring all assets managed remain true to its original style.

Low Cash Positions: Cash is a performance drag. Cash should exist in your portfolio only as a source of liquidity. Cash embedded inside an investment does nothing to provide you with liquidity and should be minimized.

Low Fee’s: Research demonstrates that charging below-average fees tends to generate above-average returns, Fee’s lower investor returns at bf solution we charge commission or fees based on various criterial and the fees are always negotiable

Goal Optimization: We provide an experienced management team whose investment objective is constantly to strive to meet your financial needs and wants, growing your assets while satisfying future income needs for retirement, tax efficient savings and transfer of wealth. We’ll help you figure out which advice option works best for your specific financial situation at each stage of your life. Depending on the service you choose, you’ll get guidance on your financial goals, such as managing debt, buying your first home, saving for education, retirement, and planning for health care costs.

Our Approach

Active management

Education

Our Clients

  • Central banks and sovereign institutions
  • Consultants
  • Public defined benefit plans
  • Corporate defined benefit plans
  • Defined contribution plans
  • Endowments and foundations
  • Family offices
  • Financial advisors
  • Insurers
  • Intermediaries

Services

Investment

At Bf Solutions our wealth management solutions are here to serve all your basis investment needs .We offer you a personalized consul as well as a wide range of investment solutions, including investment funds, structured products, non-traditional asset classes such as hedge funds, real estate, commodities and private equity, as well as financial market and fiduciary investments. We offer an efficient comprehensive solution for managing your wealth making offering a reliable and efficient investment team of experts on top of the market 24 hours a day, around the world, working on your investment success, with a variety of wealth management solutions to match your needs You can be rest assured your assets are always in good hands

Investment Planning/Advisory

We offer an Investment Planning solution tailored to fit your desired requirements. We offer everything you need to invest your assets successfully: personal advice and investment solutions customized to your needs. We offer everything you need to invest your assets successfully. We work in conjunction with already existing financial professionals handling your finances we are no strangers to having a joint effort involving your attorney, accountant, banker, insurance agent or real estate specialist with the aim of accomplishing your desired outcome.

Portfolio Management

Our understanding of the various market dynamics has given us the ability to adopt a dynamic approach to achieve our clients’ investment objectives. Our Portfolio Management Service works closely with the rest of our personnel and infrastructure in areas such as distribution, marketing and investor services

Types of portfolio Management

  • Discretionary Portfolio Management: The Portfolio Manager has full and absolute discretion over the Assets Management of a client. In today’s fast changing and volatile market, the management of equities cannot just be traded using a buy and hold strategy by using our UTL Discretion Portfolio Management service, our clients are assured that we are actively watching over their wealth on a continuous basis.
  • Non-discretionary portfolio management: All Investment portfolio decisions are approved by the client. We will provide regular reporting, market updates and research information to assist you in making informed decisions.

Portfolio Management Reporting and Investment Commentary:

You are constantly kept updated on every step and action regarding your finances your investment advisor is always ready to personally discuss specific aspects of your portfolio or the overall status of your investment at your request.

The client reserves the full right to take his own decisions.

Business Restructuring & Turnaround Services

The services of our professional are relied upon daily by business, companies and various non for-profit organizations help them and their stakeholders overcome all issues that arise both financial and operational.

By assisting underperforming and financially challenged companies, creditors, and lenders improve business performance while implementing strategy changes. Our skilled professionals guide clients in overcoming a variety of challenges by offering strategic advice in a variety of areas ranging from

Our experienced professionals focus on improving efficiencies, reducing unnecessary costs, evaluating business operations, facilitating change management, and reconciling operational improvements with financial performance which in turn increase revenue. Our services are relied upon by all forms of organizations that are underperforming or seeking profit improvement, as well as those in transition or those in the midst of a significant M&A(merger & acquisition). Whatever the situation maybe our track record indicates we are a one stop shop to our clients’ financial performance needs.

There are certain challenges that come with business merges and Acquistion’s such as

  • Failed Integration
  • Inadequate due diligence

Overestimating synergies
We offer program and trainings designed to offer post-acquisition integration services which includes developing training programs, and monitoring progress. Our performance improvement service is made up of the following individual services

Profit Improvement

    • Cost-reduction opportunity analysis
    • Revenue and margin improvement strategies
    • Productivity improvement
    • Organization structure and effectiveness improvement
    • Lean, Six Sigma and continuous improvement
    • Dashboards, metrics and Key Performance Indicators
    • Supply chain and logistics improvement
    • Strategic planning and growth strategies

Our services include:

1) Following approval, finalization of insurance placement with the chosen insurer and organizing held cover letter.
2) Review of policy document issued by insurer to ensure that it is in line with requirements and that there are no unknown gaps.
3) Streamlining of insurance claim handling procedure and providing operating manual/guidelines for client departments/personnel.
4) Handling of all insurance claims, including negotiations with insurers and surveyors, to ensure expeditious settlement. Periodic proactive engagement with client on pending claims.
5) Re-review of insurance programs 90 days before the end of the policy period and present recommendations in line with changes in the market, risk profile, experience over the expiring policy year, and arranging renewals terms.
6) Assigning a dedicated relationship manager.
7) Periodic training programs for key employees on various aspects of the policy and claim matters.
8) Reviewing operations and business activities to identify various risk exposures in discussion with the client’s finance/operations/plant/safety/security/logistics executives.
9) Risk inspection of manufacturing plants/warehouse and key business centers for comprehensive review of various operational risks.
10) A comprehensive insurance program designed to offer maximum protection for all assets, liabilities and people.
11) Helping rationalize existing covers by merging policies or formulating all-inclusive package policies to reduce administration work without undermining the scope of insurance covers.
12) Inviting quotations from leading underwriters of well-rated and well-established Indian and international insurers (wherever appropriate).
13) Analysis and evaluation of quotations received from various insurers with recommendations on the best, most competitive cover available.

Team Approach

Our team of experienced investment professionals regularly evaluate the performance of our investments against the appropriate benchmarks checking that the selected investments performed at the expected level. Daily analysis is carried out on macro-economic issues, changes to tax statutes, and due diligence on individual equities, fixed income and mutual funds giving our professional a perspective on the investment approach that will suffix more effectively. Our research focuses on identifying investment themes we believe to be in a long-term positive trend. Our portfolio management teams approach towards asset allocation has been one of our keys to success of effective portfolio performance, strongly advocating proper diversification effectively allocating several distinct asset classes including alternative investments, when suitable. Within the broad equity asset class, examples of “sub-asset classes” would include large capitalization equities, small capitalization equities, domestic equities and foreign equities. Within the broad fixed income asset class, sub-set classes vary according to maturity/duration (e.g. short, intermediate, long-term); type of issuer (e.g. government, corporate, municipal); and credit quality

Consistent Monitoring and Reporting

Our investment finance team monitors the performance of our client’s investment daily providing reports as well as personal meetings to review accounts. Our Investment managers are expected to be available to meet with the individual clients quarterly to review portfolio structure, strategy, and investment performance. Investment reports shall be provided on a (calendar) monthly basis or as requested by the client. Indicated below are the contents of a report on investment, but is not limited to:

1. Performance of investments against benchmarks and rate of return
2. objectives on a daily basis
3. Review of investment activity during previous quarter
4. Guidance and recommendations for direction of investments
5. Dividend and fixed asset income projections for upcoming 12-month period
6. An in-depth view of all associated fees
7. Any information and/or reports requested by the client.

Tax and Expense Minimalization

Our Investment decisions are carried out in consideration to the various tax consequences our clients face in their respective country of residence as well as the managerial and transactional expenses of managing a portfolio by providing tax planning services with a keen awareness and command of tax laws assisting in making effective investment.meets on a daily basis to review proprietary and external research on macro-economic issues, changes to tax statutes, and due diligence on individual equities, fixed income and mutual funds. Through these meetings, we regularly evaluate the performance of our investments against the appropriate benchmarks to check that selected investments perform at the expected level.

Hedge Funds

The investment management guide for hedge fund clients offered by Bf Solutions is aimed at offering a management Practice through complex regulatory environments, with the aim of mitigating risk while elevating operational efficiency. Our vastly experienced professionals take a proactive approach in addressing concerns before they become major issues, by providing tailored advice throughout the entire engagement process.As the investment market involves the constantly evolution of various strategies and complexity it is important to adapt to the various changes that come along, we offer advisor with holistic approaches and asset managers with a comprehensive, integrated solution, delivering insight into the interaction of the many components of our clients’ businesses

How we assist you

People Make the Difference: Working with people who understand your unique needs and vision is important in any form of investment we offer all the necessary help you will need, the advisors and management team we offer are there 24 Working with you to accomplish your unique needs and vision. Our experienced specialists who are CPAs understand the various intricate related to hedge fund and accounting. You will get unrestricted direct access to dedicated relationship managers and local service teams plus seamless coordination between our various offices.

Comfort with Complexity: We have constantly managed complex funds for more than 8years enabling us understand the various requirements needed while handling sophisticated asset. The strategy’s and methods being applied by our professionals are designed to handle asset complexity, data strategy, regulation and capital structure, our hedge fund services provide the needed tools to ease your administrative burdens.

Integrated Tech -Powered Solutions: Our platform is designed to optimize all asset, strategies and lifecycle events and will help you integrate all functions with the utmost efficiency. Our platform is designed to give you an unlimited access to real-time data steam rendering transparency into our operations, transaction lifecycles and numerous educational guidelines necessary for making informed decisions while keeping an eye on the operational risk all at the
tip of your fingers.

Reliability and Strength: Our stability, global footprint and prudent risk management is designed to support your expansion to new markets, by experiencing our personal touch of administrators with a broad capability and an unlimited financial backing of one of the worlds most respected financial institutions

Our Services

Indepth Analytics:
Manage your funds effectively with information and tools that help you make faster, better decisions

  • Risk services
  • Post-trade compliance analytics
  • Performance reporting
  • Cash projections
  • Cash optimization
  • Collateral management
  • Treasury solutions

Powerful easy to use platform:

  • Full transparency with real-time updates and interactions
  • A single data set across functions and users to simplify data sharing
  • One platform for all covered assets, strategies and lifecycle events
  • A single data set across functions and users to simplify data sharing

Transparent Middle-office services:

  • Our middle-office services offer a transparent daily book of record to support your strategy and trading:
  • Trade capture and affirmation
  •  Security master and reference data
  • Lifecycle event processing
    • Dividends and interest
    • Corporate actions
    • Swap lifecycle events
  • Complex asset servicing – structured deals, bank debt, OTC and private assets
  • Reconciliations
  • Cash management
  • Daily valuation and P&L

Reliable Back-office service:

Comprehensive services for investors and regulators include:

  • NAV processing
  • Investor servicing
    • Flexible models for investor contact and engagement
    • Subscription redemption processing
    • Partnership accounting and fee calculation
    • Investor reporting
  • Accounting policy and audit support
  • Financial statement preparation
  • Tax support
  • Regulatory reporting

Global Extensive Network:

Our extensive global network and broad capabilities offer a range of services to enhance fund
administration:

  • Global custody and safekeeping
  • Brokerage and execution for equities and options*
  • Foreign exchange
  • Depositary services
  • Liquidity solutions
  • Share class hedging

Our Portfolio

We attend and carter to the financial needs of both public & private entities ranging from

  • Financial Institutions
  • Alternative Managers
  • Consultants
  • Corporations
  • Family Offices
  • Financial Advisors
  • Individuals & Families
  • Insurance Companies
  • Investment Managers
  • Nonprofits
  • Pension Funds
  • Sovereign Entities

Education

FUND TYPE 101

Mutual Funds

Mutual funds are investment approaches allowing investors to collectively purchase financial products such as stocks, bonds or any other securities by collectively pooling funds together to generate the capital.

What are the benefits of investing in mutual funds?

Low investment and maintainace cost:

Mutual funds offer an affordable way to invest in a wide array of stocks without paying transaction fees for each individual stock held. When it comes to mutual funds the trading costs are lower than those for ETFs. Mutual funds always trade at net asset value (NAV), or the market value of its assets minus liabilities divided by the number of shares owned by investors additionally as the saying goes an expense shared is an expense halved. By pooling their assets with others, mutual fund investors cut theirinvesting expenses. “Mutual fund shareholders share the expenses of the fund proportionately based on the amount they have invested.

Investment Diversification:

The nature of mutual funds makes it possible to invest in multiple stocks or bonds giving the investors an easy way to diversify their portfolio. Diversifying your investment significantly lowers the risk associated with a single investment performing poorly. The beauty of mutual funds is every dollar you invest is diversified. “When you invest in a mutual fund, your money is pooled with the money of all the other investors in that fund allows the fund to buy dozens, hundreds or even thousands of different investments. Every dollar you invest is then allocated proportionately across all of these investments.

Investment Management

Mutual funds offer investors access to active strategies and the benefits of professional money management comprised of a professional money manager or an investment team setting the fund’s strategies, researching investments, making trades and monitoring the fund’s performance.

Easy to access and track

Few investments, if any, are easier to buy than a mutual fund. While most SMAs require an intermediary to access, investors can buy mutual funds themselves in a self-directed brokerage account and with their low investment minimums, “mutual funds are easy to purchase for virtually any type of investor, even at a small scale.

What factors should I consider before investing in mutual funds?

Investment objective:

All mutual funds have an objective without exceptions, Check if the fund’s objective and yours align so that your goals are also fulfilled. What do you want from your mutual fund investment? Are you saving for your retirement, your children’s college or investing money for future generations? The answers to these questions can help you narrow down which funds would work best. Choosing a fund with similar objective makes your investment reach its goal faster and better.

Time horizon & Exit load

Mutual funds are typically better suited for long term investors. If you think you’ll need to liquidate your funds in the near future, say within three to five years, then a mutual fund may not be the best option because the return in that amount of time – once removing the cost of fees – may not be enough to make the investment worth it.Exit load is another cost that you directly incur. It is a fraction of the NAV that you receive and thus, leaves a hole in your investment value. So, the lower exit load a fund offers, the better is it for you. Having said that, it only comes into play if you wish to sell your units. It is always beneficial that you stay invested for a long term to reap good returns from any mutual fund.

Fund performance & Risk tolerance

Ensuring that you measure the performance over a significantly long period so that you know the pattern and can make a good judgment evaluating the kind of risks the fund has exposed you to over the estimated period of time while checking if there was any clogging of risk-adjusted returns. Understanding your risk tolerance can help you select funds with strategies and asset allocations that fit this profile.

Some of the known risk associated with Mutual Funds.

It is no secret that investments in generally involves risk and reward and mutual funds are no different indicated below are some of the common risk attributed to any mutual fund investment.

Principal Risk

Portfolio managers can’t guarantee the performance of the fund, creating potential for loss of principal on the investment.
Always possible with mutual funds is principal risk, the risk that the investment will go down in value and lose money from the original amount invested.

Prepayment Risk

This is the risk that a bond will pay off earlier than expected. When interest rates fall, there is a chance that the issuer of the bond will decide to cut losses and retire its debt via old bonds, then reissue new bonds at a lower rate of payout.

Market Risk

Statistics by the United States Securities and Exchange Commission, (sec) indicates market volatility often resulting to the rising and falling of the value of stocks, “posing one of the greatest potential danger in stocks funds.” Market risks has shown a habit over time to move in cycles for both a long and short period of time, and are always unpredictable.

Currency Risk

Popularly known as exchange rate risk, is strictly for the investments across foreign securities. Currency is eminent as a result of the rising or falling value of the dollar against foreign currencies resulting in a reduction in returns for investors.