UMB IHL understands investment to mean moving investors’ money from one point in time to a future time in a manner that assures maximum likelihood of safety and growth. At the core of the investment philosophy of UMB IHL is that, investment decisions are based on sound theoretical foundations which are applied through rigorous processes and informed judgement to ensure that client circumstances, preferences and goals inform portfolio structure.
It is UMB IHL’s conviction that capital and money markets are less efficient, hence dispassionate application of skill and effort through rigorous investment research will pay off in superior returns. Bottom-up equity and credit analysis is complemented by a specialist team focussing on economic analysis, capital markets projections, tactical asset allocation, technical and behavioural analysis and other capabilities.
Risk is inherent in any investment so UMB IHL’s goal is to ensure that it achieves superior performance with less than commensurate risk. In portfolio construction and risk management, portfolio managers are supported by a team with sophisticated skills in modelling, forecasting, scenario analysis and investment risk management.
This thinking drives the investment decisions that protect and maximise the wealth of our clients in the period they do business with us.