We do not employ complex models and whilst there is some merit in quantitative measures a level of qualitative analysis is also important. We use a range of measures including Sharpe, information ratios and Value at Risk (VaR) combined with a common sense analysis.

We endeavour to run liquid portfolios and in our experience, if liquidating a managed portfolio in entirety, we typically receive substantially all the proceeds within an acceptable period, depending on the asset class.

The key here is to understand what you are dealing in, what the investment is supposed to do and for whom you are buying it for. Risks include counterparty risk and the use of leverage in the underlying investments. Market risk and stock specific risk are considered on an on-going basis.

We take a prudent approach when selecting bonds and other income generative investments for our clients. For instance, we select only investment grade bonds and a take time to have a deep understanding of the credit risk inherent in our real asset investments.

All assets managed on behalf of our clients are held with a custodian or on trust and do not in any way comprise assets of the RAM Group. This complete legal separation of assets ensures that the security of client assets has relationship to the financial wellbeing of the RAM Group.

Our main custodian is BNP Paribas is one the worldʼs leading financial institutions. Headquartered in Paris France the bank employs more than 190,000 employees in 70 countries. Global Finance named BNP Paribas the Worldʼs Best Global Corporate Bank of 2013.

Clients may retain surplus cash on deposit with major banks, which may be held in managed investment schemes or on trust. It is important to recognize that here too there is a complete separation of assets. That is no RAM Group corporate funds will be held in any clients cash accounts, and the cash balance will not be available any RAM Group creditor.

In the context of investment funds a Trustee is one who safeguards assets that are held in trust for the investor(s). A trust is a legal structure commonly called a Managed Fund or Mutual Fund that holds assets on behalf of investors, who remain the beneficial owners of the assets held in the trust.

Structuring investments through a regulated trust provides security for investors as they may rest assured in the knowledge a substantial Trustee company is safeguarding their assets. For instance in jurisdictions like Australia the role of the Trustee or “Responsible Entity” is highly regulated with strict requirements including being a public company with substantial tangible assets and insurance cover in place, as well as holding an Australian Financial Services License.

The first line of defence in any organisation is its people. We are fortunate to attract and retain staff of the highest calibre, having decades of experience garnered from the worldʼs largest financial firms. Moreover as an independent firm owned by its staff, our interests are completely aligned with our clients in ensuring a successful business and financial partnership for the long term.

RAM Group entities are licensed by the Securities & Futures Commission (SFC) of Hong Kong, and the Australian Securities and Investment Commission (ASIC). Accordingly we are required by law to establish and maintain a significant compliance framework across multiple jurisdictions, aided by specialist advice from leading professional firms.

In partnering with premium technology platform providers in each location, we ensure that our business is supported by state of the art systems that allow us and our clients to monitor, manage and reduce potential risks.

We have in place a comprehensive Business Continuity Management Program and Disaster Recovery Plan to ensure there is no interruption in service to our clients and that their information and data is protected. Our formal security protocols for the safe keeping of all client information use technologies such as encryption, intrusion prevention systems and behavioural anomaly based monitoring solutions.