ContactFeel free to get in touch for a consultation or any queries:

Mail: clientservices@tpim.coMain telephone: +84 8 3825 6369Web: www.tpim.co

Vietnam 2nd Floor, 19 Hoang Sa, Da Kao Ward, District 1, Ho Chi Minh City

Hong KongSuites 1104, Crawford House, 70 Queens Road, Central

Our company

Tenzing provides bespoke fi nancial planning, investment & portfolio management as well as estate planning services to expatriates and locals in Vietnam, Hong Kong and throughout Southeast Asia. We conduct the fi nancial planning process, set up the accounts, as well as monitor and manage the underlying investments on an ongoing basis.

We follow a fi duciary business model; where clients’ needs and the needs of their portfolios always come before the interests of the fi rm. Our commitment to transparency, ethics, due diligence and cost eff ectiveness, along with the presence of our insurance division, Tenzing Pacifi c Insurance Services, provide us with a competitive advantage that allows us to leverage various forms of expertise to maximize the value added to clients.

We off er a broad product range, including but not limited to: online trading platforms, mutual funds, assurance bonds, trusts, pensions, off shore bank accounts as well as property, which allows us to tailor an investment structure to the specifi c needs of an individual. We place an unparalleled belief in the value of long-term relationships, which is the very foundation a sustainable business is built upon.

Why Tenzing?Our mission is to provide an educational approach to managing our clients’ money and assets. Every decision we make on a client’s behalf is reported to the client in a simple, concise manner, and we believe fi rmly in involving our clients in every step of our decision making process. Every aspect of our service off ering is tailored according to the needs of the individual, whether it is the manner in which we explain complex fi nancial concepts, the detail and structure of a fi nancial plan, or the level of risk budgeted for a client’s portfolio, we truly believe in the concept of managing another individual’s money as if it were our own.

We believe in a non-intrusive approach for communicating with prospective clients, which is why we maintain a strict no-cold-calling policy. Additionally, we keep a servicing diary for every client, which allows a client to monitor and fi nd out exactly how much work our fi rm is doing on their behalf.

Investment PhilosophyOur investment philosophy encompasses two core principles: global macroeconomic fundamentals and risk budgeting.

We will search for regions around the world that show signs of robust economic growth, and identify economic sectors within those regions which would make sense to allocate capital to, within a given economic context.

Ours is a global, multi-asset approach, where a portfolio usually consists of a mixed allocation to global stocks, government bonds, corporate bonds, commodities, alternative assets and property. This allows us to diversify a portfolio suffi ciently to achieve our risk budget targets and to identify opportunities across all asset classes. We run model portfolios suitable for every risk profi le, and every individual portfolio will be managed according to a specifi c model, unless a client specifi es otherwise. Most of our asset allocation is done through international mutual and exchange-traded funds for risk-management and effi ciency purposes.

Mandate Inputs

Fund & SecuritySelection

AssetAllocationBESPOKE

PORTFOLIO

Monitoring &Rebalancing

Financial Planning ProcessWe view the fi nancial planning process as looking at your personal fi nances as one would a business, thereby allocating your assets and reducing costs effi ciently to maximize profi t in the long run.

We follow a simple 5-step fi nancial planning process, from consulting a client for the fi rst time and understanding objectives, to ensuring a client achieves those objectives.

Understanding your personal circumstances, goals & objectives.

Designing your fi nancial strategy.

Providing recommendations and producing statement of advice.

Implementing recommendations.

Continuously reviewing & monitoring portfolio.

The Steps include:

Products and services

Stand-alone accounts

Pensions

Vietnam property

(separately managed accounts)

(QROPS, SIPPs, Corporate Pensions)

(residential + luxury) (insurance wrappers)

(security selection, asset allocation, portfolioconstruction and monitoring, risk budgeting)

(retirement projections, education fee projections, health and life cover, cash fl ow analysis)

(US EB-5 program)

(Trusts, Wills, Off shore company incorporations, asset protection)

Investment, portfolio and asset management

Financial planning

Immigration through investment

Estate planning

Insurance bonds

International property

Regular savings plans

Currency transfers

Off shore bank accounts

Investment selection and portfolio construction process

Country/Regional Selection

External Considerations

Asset Class shortlist

Identify Funds employing attractive strategies

Key Sectors

Fund selection

E.g: US, Frontier Markets, India Oil Prices, Eurozone infl ation, gold prices, China demand

E.g: Hedge funds, long/short equity, alternative

E.g: US mid-cap value stocks, Frontier large cap stocks, India all cap, European government bonds, gold bullion

Impact on asset class selection

E.g: US consumer staples, Frontier consumer cyclicals, India Tech

PHASE

PHASE

TOPDOWN

BOTTOMUP

FUND A FUND B FUND C

1

2

1. Identify risk budgets

Adjust allocations according to outlook

Shift risk budgets according to outlook

3. Test volatility

2. Input desired mix of shortlisted funds

Repeat phase 1 – 4 quarterly

4. Apply optimal allocation

PHASE

PHASE

PORTFOLIOCONSTRUCTION

MONITOR & REVIEW

3

4

In the Media

Oi Magazine Vietnam

Citywire Asiaprivate banking magazine

Contact

Feel free to get in touch for a consultation or any queries:

Mail: clientservices@tpim.coMain telephone: +84 8 3825 6369Web: www.tpim.co

Vietnam 2nd Floor, 19 Hoang Sa, Da Kao Ward, District 1, Ho Chi Minh City

Hong KongSuites 1104, Crawford House, 70 Queens Road, Central