{"id":962,"date":"2020-12-03T07:18:32","date_gmt":"2020-12-03T07:18:32","guid":{"rendered":"https:\/\/emeraldvp.com\/financial-processes\/"},"modified":"2021-02-20T17:53:52","modified_gmt":"2021-02-20T17:53:52","slug":"financial-processes","status":"publish","type":"page","link":"https:\/\/emeraldvp.com\/en\/financial-processes\/","title":{"rendered":"Financial Processes"},"content":{"rendered":"\t\t
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Financial Planning Processes<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We start financial planning by filling out the investment profile questionnaire. We determine in general terms how you behave when investing by extracting the investment profile of yourselves and your family. We all have an investment personality, depending on whether we behave rationally or emotionally in making investment decisions and our degree of risk aversion.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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Afterwards, we determine an investment policy for your own family, taking into account your return target, willingness and capacity to bear risk, planned expenses and possible urgent money needs, tax obligations and other unique circumstances. We update your investment policy when there are important changes such as family priorities, job loss, etc..<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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We prepare comprehensive family balance sheet, including family assets and debts, including potential income and expenses that you can earn in your lifetime. In this way, we can predict how to use all available resources to finance expenses throughout your life and to protect your living standards.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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We determine the optimum asset allocation ranges for your savings based on your return expectation, risk tolerance and liquidity needs that we previously determined. We decide how much of the total family assets should be invested in capital markets.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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We also provide financial and retirement plan for you and your family. When to retire and how much savings do you need? Of course, it is key to evaluate possible risks and manage these risks with appropriate methods so that your retirement plans are not disrupted.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1  Determine your investment personality <\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We start financial planning by filling out the investment profile questionnaire. We determine in general terms how you behave when investing by extracting the investment profile of yourselves and your family. We all have an investment personality, depending on whether we behave rationally or emotionally in making investment decisions and our degree of risk aversion.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2  Prepare your investment policy<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Afterwards, we determine an investment policy for your own family, taking into account your return target, willingness and capacity to bear risk, planned expenses and possible urgent money needs, tax obligations and other unique circumstances. We update your investment policy when there are important changes such as family priorities, job loss, etc..<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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3  Create your personal balance sheet<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We prepare comprehensive family balance sheet, including family assets and debts, including potential income and expenses that you can earn in your lifetime. In this way, we can predict how to use all available resources to finance expenses throughout your life and to protect your living standards.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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4  Determine the optimum asset allocation ranges<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We determine the optimum asset allocation ranges for your savings based on your return expectation, risk tolerance and liquidity needs that we previously determined. We decide how much of the total family assets should be invested in capital markets.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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5  Prepare your retirement plan<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We also provide financial and retirement plan for you and your family. When to retire and how much savings do you need? Of course, it is key to evaluate possible risks and manage these risks with appropriate methods so that your retirement plans are not disrupted.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Financial Investment Processes<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We form opinions and strategies on capital markets based on where we are in the medium-long term market cycle and the investment behaviour of market players. We look at future trends, return prospects and what investment instruments might be attractive. Accordingly, we decide the weight of stocks and debt instruments in our financial investments in line with our investment policy.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We carefully analyse where we are in the medium to long term market cycle. In addition, we conduct investment analysis of market players.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tForming MarketViews<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

We form opinions and strategies about the markets according to our cycle analysis. We determine possible future trends, return expectations and which investment instruments might be attractive.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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We decide how aggressive or protective the portfolio will be based on the market view we have formed. In other words, we determine the weights of stocks and debt instruments that we will carry in our portfolio.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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After investing, we review the market view we have formed and the investment decisions we made accordingly.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Market Cycle Analysis<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We carefully analyse where we are in the medium to long term market cycle. In addition, we conduct investment analysis of market players.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Forming Market Views<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We form opinions and strategies about the markets according to our cycle analysis. We determine possible future trends, return expectations and which investment instruments might be attractive.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Investment DecisionMaking Process<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Review<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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After investing, we review the market view we have formed and the investment decisions we made accordingly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Portfolio Allocation<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We decide how aggressive or protective the portfolio will be based on the market view we have formed. In other words, we determine the weights of stocks and debt instruments that we will carry in our portfolio.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Without ignoring the risk of default in our investments in debt instruments, we prefer high-yield, variable-rates, and short-term debt instruments as much as possible. In long-term debt instruments, we pay attention to the fact that the instrument is easily tradable in the secondary market. In our stock investments, the process requires more detailed work.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Formation ofinvestment idea<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Research &Valuation<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Portfolioconstruction<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Reviewing theportfolio<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t1 - Formation of investment idea<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Among the listed companies on stock exchanges, we identify companies whose prices may be at attractive levels. Among them, we eliminate the poor-quality ones and put the remaining companies in the priority order according to price attractiveness and quality.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t2 - Research & Valuation<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

We start to research the selected companies, starting with the top ones in the priority ranking. We evaluate the company’s quality in terms of business model, balance sheet strength and management. We undergo suitable financial modelling for the company and calculate the intrinsic value range.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t3 - Portfolio construction<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

When we find the stock attractive to buy (with a high margin of safety) and decide to invest, we move on to the portfolio formation phase. In determining how much we will buy each stock, we carefully review to keep the possibility of significant loss of capital to a minimum. We buy stocks at prices that have the highest margin of safety as possible.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t4 - Reviewing the portfolio<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

We review our equity investments regularly. We can sell the stock when the stock price approaches its target value, when much better opportunities arise, or when the investment rationale is no longer valid. Every three months, we check whether the investment reason for each company continues or not.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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1  Formation of investment idea<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Among the listed companies on stock exchanges, we identify companies whose prices may be at attractive levels. Among them, we eliminate the poor-quality ones and put the remaining companies in the priority order according to price attractiveness and quality.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2  Research & Valuation<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We start to research the selected companies, starting with the top ones in the priority ranking. We evaluate the company’s quality in terms of business model, balance sheet strength and management. We undergo suitable financial modelling for the company and calculate the intrinsic value range.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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3  Portfolio construction<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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When we find the stock attractive to buy (with a high margin of safety) and decide to invest, we move on to the portfolio formation phase. In determining how much we will buy each stock, we carefully review to keep the possibility of significant loss of capital to a minimum. We buy stocks at prices that have the highest margin of safety as possible.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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4  Reviewing the portfolio<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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We review our equity investments regularly. We can sell the stock when the stock price approaches its target value, when much better opportunities arise, or when the investment rationale is no longer valid. Every three months, we check whether the investment reason for each company continues or not.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Financial Planning Processes 1  Determine your investment personality We start financial planning by filling out the investment profile questionnaire. We determine in general terms how you behave when investing by extracting the investment profile of yourselves and your family. We all have an investment personality, depending on whether we behave rationally or emotionally in making […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"\nFinancial Planning and Investment Processes<\/title>\n<meta name=\"description\" content=\"Making an investment decision and implementing it is difficult if you do not have an established strategy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/emeraldvp.com\/en\/financial-processes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Planning and Investment Processes\" \/>\n<meta property=\"og:description\" content=\"Making an investment decision and implementing it is difficult if you do not have an established strategy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/emeraldvp.com\/en\/financial-processes\/\" \/>\n<meta property=\"og:site_name\" content=\"Emerald Value Partners\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-20T17:53:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/emeraldvp.com\/wp-content\/uploads\/2020\/11\/Screen-Shot-2020-11-10-at-11.45.14.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/emeraldvp.com\/en\/financial-processes\/\",\"url\":\"https:\/\/emeraldvp.com\/en\/financial-processes\/\",\"name\":\"Financial Planning and Investment 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