Roman Scott is managing director at Calamander Capital (http://www.calamandergroup.com/) and economic spokesperson of the British Chamber of Commerce, Singapore. Mr. Scott was formerly a partner in The Boston Consulting Group's Singapore office and a senior member of BCG's Global Financial Services practice. Starting in the London financial markets in 1987, he has over 20 years of experience as a board level advisor to more than 50 financial institutions and government agencies in the UK, Europe, South Africa, Japan and Southeast Asia. Mr. Scott led much of BCG's bank restructuring and risk management work in the region following the Asian crisis. He was an advisor to the Indonesian Government's Bank Restructuring Agency (IBRA) and four of Indonesia's top five banks. He served on the Government of Singapore's Economic Restructuring Committee Financial Services Task Force in 2001, and currently advises the UK government on Asian economic issues. Mr. Scott also led BCG's wealth management practice in Asia from 2000 - 2006, and has worked for most of the major global private banks at some point in his career. As an economic strategist, Mr. Scott is known for his longstanding warnings on the US economy, its markets and the US dollar, his bullishness on Asia, and for accurately calling the rise of oil prices, Asian equity markets and real estate over the last decade.
Sahil Alvi is a management consultant, economist, intra-preneur, and writer.
Sahil lives and works in Dubai. He is strategy consultant with a global consulting firm where he leads the firm’s strategic and business development initiatives including origination of strategies and opportunities for the firm and its clients.
Sahil started his career with the Advisory practice of Ernst & Young in Atlanta. Along the way, he helped build a startup into a high-growth enterprise in Miami. Sahil has also held a management consulting position with PricewaterhouseCoopers in Los Angeles.
Over the course of his career, he has advised several Fortune 500 clients and startups on strategic, financial and operational issues.
His functional experience includes a variety of disciplines such as: Commercial Due Diligence / Investment Analysis, Growth Strategy, Business Transformation, and Risk Management.
Sahil's industry experience spans:
- Financial Services (Insurance, Private Equity, Venture Capital & Hedge Funds)
- Real Estate & Hospitality
- Healthcare (Payors and Providers)
- Distribution & Logistics
- Consumer Internet/Web 2.0
- Energy & Natural Resources
- Special Economic Zones.
He has had the opportunity to live or work across: US, India, UAE (Dubai / Abu Dhabi), Canada, Netherlands, Germany, France, Saudi Arabia, Oman, Qatar, Bahrain.
Sahil holds an MBA (Entrepreneurship) from Wake Forest University in North Carolina, USA and a BA (Economics) from University of Bombay in Bombay, India.
Sahil's avocations include: Tennis, Product & Furniture Design, Abstract Expressionistic Painting, Photography, Biking, Blogging, and Reading Literary Classics, Poetry, Management Thinking, and Economic Policy tomes.
He can be reached at: firstname.lastname@example.org
An individual who has advised families the last thirty years, FAMCO started as a lawyer representing regional commercial bank and trust companies back when they still existed, then investment partnerships back when they were still profitable, and more recently with large multi-national money center banks back before TARP.
FAMCO's prominent theme is that the current financial intermediaries, (commercial banks, insurance companies and investment banks) have concerned themselves so much with the pursuit of scale, that they offer advice which does not benefit or suit their clients. In the case of all three financial intermediary entities, we have seen the disasterous outcomes in no uncertain terms caused by the gradual disconnect between the mega firm and its family clients.
The commercial banks switch to fee-based models the last 15 years has brought forth a new generation of bankers who are completely unskilled in credit analysis and risk management, as we have seen quite clearly the last three years. The number of investment firms that now depend mostly upon trading profits from their large instituitional clients is unequivovally pitting the needs of those large insitutional clients against the family office and individual client.
Finally, insurance underwriters have become fixated on the origination fees of their products, rather than the viability of the products themselves. That fact that a derivative is only as good as its counterparty's credit worthiness should never have been an issue, but in fact became the dominant theme of the 2008- 2009 meltdown.
Today's family cannot not rely upon the advise of the large financial intermediaries. The conflicts have expanded, the quality of the judgment has diminished and there are simply not enough common goals and mutual interests betweeen the corporate culture and its individual clients for the objectivite counsel to fulfill the fiduciary obligations required from a trusted advisor.
Old Trader is a 63 year old private investor, managing a retirement portfolio constructed to a) generate a high current yield, b) preserve capital, and c) increase capital. His methodology involves taking a "top down" macro view to identify favorable trends, and then engage in fundamental analysis at the company level to identify "best of breed" companies that will benefit from those trends. He employs some simple TA to help determine favorable entry and exit points for positions.
The ultimate goal is the construction of an "absolute return" portfolio, fully recognizing that such a portfolio will lag in a strong bull market, but will result in much smoother returns, a characteristic he feels is critical for retirement accounts.
Founder and moderator of Chicagoland Investors' Group. Monthly Sunday brunch meetings to discuss markets and investing/trading strategies.
I can be reached at email@example.com
TLassen is a 50-something private investor, despite being licensed for securities trading and portfolio management in Canada, has found himself in the Manufacturing environment for the last 30 years. His career has been spent predominantly in the aerospace industry and he is currently responsible for maintaining compliance to AS and ISO standards for a midsized company in Montreal.
His investment methodology is based on the concepts of economic added value. In plain English, investment returns have to be measured against investment costs. He uses fundamental analysis at the company level to identify best of breed companies and combined with the principles of economic added value, selects companies for long term investments.
The subtle point of Warren Buffet's statement, 'it is better to find a great company at a fair value, than a fair company at a great value' is often missed by investors who attempt to find undervalued companies regardless of their financial health. He belongs to the Buy and Hold camp, but has learned over the years to be flexible by taking profits off the table occasionally.
TLassen maintains 2 portfolios whose principal objectives are to generate reliable and consistent income while protecting investment capital through diversification. This income may come from stock or mutual fund dividends, interest from bonds and money market investments. Other forms of positive cash flow may be capital gains from sales of equities or from exchange of foreign currencies.
In other words diversify, diversify, and diversify some more, between and within the asset classes
TLassen's investment strategy is based on diversifying investment capital into three distinct asset classes:
Non-fixed Investment Securities: Dividend paying stocks, mainly aristocrats and achievers. Income yielding ETF's, Index Funds, Closed End Funds, Bond Funds, REIT's, Income Trust Funds, Preferred Shares.
Fixed Income Securities: Real Bonds (not bond funds) Bank Certificates and Treasury Notes
Capital Gains securities: Non-dividend paying stocks or ETF's or index funds, Gold, Commodities, Foreign Currencies.
Investment goal is to increase Investment Capital by 5% annually. Returns are never measured against, or bench-marked to the S&P Index.
Investment returns are measured against the initial investment capital, not market value of securities.