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FHL Capital advises its clients on collective investment schemes, securities, exchange traded derivatives contracts, structured deposits, etc. The investment objective is to achieve long–term risk adjusted capital gains by buying well-run good businesses which are priced below their intrinsic values and exploit the price differentials between companies in the same industry by taking long positions in the undervalued businesses. In addition, FHL Capital also assists its clients to re-organise their existing investment portfolio so as to formulate a coherent investment strategy matching the clients’ investment objectives and time horizon.

Risk Factors There are several risks in investment, including but not limited to the following:

Market risk The markets in which the underlying investment operates may prove to be highly volatile from time to time as a result of, for example, sudden changes in government policies on regulations and currency repatriation or changes in legislation relating to the value of foreign ownership in companies, etc. This will inevitably affect the net asset value of the invested assets, should the clients be required to liquidate these investments prematurely in order to meet repurchase requests or other funding requirements.
Interest rate risk The net asset values of securities held by the underlying investment tend to be sensitive to interest rate fluctuations and unexpected fluctuations in interest rates could cause the corresponding net asset value of the underlying investment positions to move in directions which are not initially anticipated. To the extent that interest rate assumptions underlie the hedge ratios implemented in hedging a particular position, fluctuations in interest rates could invalidate those underlying assumptions and expose the investment to losses.
Exchange rate considerations The net asset value of the underlying investment could be adversely affected not only by hedging costs and changes in exchange rates, but also by local exchange control regulations and other limitations, including currency exchange limitations and political and economic developments in the relevant countries.

Personal Financial Strategy is the holistic plan that integrates, coordinates, and optimises between different products and services to ensure that all financial goals of individuals and families could be realised in the systematic and pragmatic manner. It helps the customer understand the linkages and dependencies between his financial goals, resources and financial products; ultimately to formulate a long-term financial master plan. To execute Personal Financial Strategy, we created a deep analysis tool which simplifies the complex planning process, and a communication methodology designed to help customers elucidate their personal goals and sensitive financial information. Finally, we employ a robust planning methodology, integrated with iterative processes to build a financial master plan that maximises the fulfilment of financial goals within the finite financial resources, and yet robust enough to withstand economic shocks.

About IBF Certification

The courses address the following Technical Skills and Competencies (TSCs) and proficiency level:

Personal Financial Strategy (PFS) - Elementary

Personal Finance Advisory (PL3)

Personal Financial Strategy (PFS) - Advanced

Personal Finance Advisory (PL4)

Participants are encouraged to access the IBF MySkills Portfolio

(https://www.ibf.org.sg/programmes/Pages/MySkills-Portfolio.aspx) to track their training progress and skills acquisition against the Skills Framework for Financial Services. You can apply for IBF Certification after fulfilling the required number of Technical Skills and Competencies (TSCs) for the selected job role.

Find out more about IBF certification and the application process on https://www.ibf.org.sg/certification/Pages/Why-be-Certified.aspx

This material is intended for discussion purposes only and does not create any legally binding obligations on the part of FHL-Capital. Without limitation, this material does not constitute an offer, an invitation to offer or a recommendation to enter into any transaction. When making an investment decision, you should rely solely on the final documentation relating to the transaction and not the summary contained herein. FHL-Capital transacts business with counter-parties on an arm’s length basis and on the basis that each counter-party is sophisticated and capable of independently evaluating the merits and risks of the investment. This investment advice may not be appropriate for all investors and before entering into any transaction you should take steps to ensure that you have fully understand the nature of the investment and have made an independent assessment of the appropriateness of the investment in the light of your own objectives and circumstances, including the possible risks and benefits. You should also consider seeking advice from your own advisers in making this assessment. If you decide to enter into this transaction, you do so in reliance on your own judgment. Although FHL-Capital believes the contents of its document to be reliable, FHL-Capital does not make any representations as to the completeness or accuracy of the information.

This investment advice has been designed for sophisticated Accredited Investors. In the event you decide to enter the proposed transaction, losses to investments may occur due to a variety of factors - market values may be affected by market volatility, interest rates, exchange rates, time to maturity, dividend yields, migration of issuer credit ratings and other systemic factors. These and other factors are interrelated in complex ways, and as a result, the effect of any one factor may be offset or magnified by the effect of another factor.

If after making your own assessment, you independently decide you would like to pursue a specific transaction with FHL-Capital, there will be separate offering and other legal documentation of the terms which will (if agreed) supersede any indicative and summary terms contained in this document. FHL-Capital does not accept liability for any direct, consequential or other loss arising from reliance on this document.

You may not distribute this document, in whole or in part, without the express written permission of FHL-Capital.