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Language Notification

Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account.

Por favor, tenga en cuenta que es posible que las comunicaciones futuras del banco, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos de cuentas, estados de cuenta y divulgaciones, así como cambios en términos o cargos o cualquier tipo de servicio para su cuenta.

Informamos que as futuras comunicações do banco, verbais e escritas, podem estar disponíveis apenas em inglês. Essas comunicações podem incluir, entre outras, acordos de conta, extratos de conta e divulgações, alterações aos termos ou tarifas, ou qualquer tipo de serviço pertinente à sua conta.

仅此通知,本行即日起发出的口头及书面通信可能将只提供英文版本。这些通信可能包括但不限于账户协议,账单和通知,条款或费用变更;或任何为您账户提供的服务。

Please be advised that future verbal and written communications from the bank may be in English only. These communications may include, but are not limited to, account agreements, statements and disclosures, changes in terms or fees; or any servicing of your account.

Por favor, tenga en cuenta que es posible que las comunicaciones futuras del banco, ya sean verbales o escritas, sean únicamente en inglés. Estas comunicaciones podrían incluir, entre otras, contratos de cuentas, estados de cuenta y divulgaciones, así como cambios en términos o cargos o cualquier tipo de servicio para su cuenta.

Informamos que as futuras comunicações do banco, verbais e escritas, podem estar disponíveis apenas em inglês. Essas comunicações podem incluir, entre outras, acordos de conta, extratos de conta e divulgações, alterações aos termos ou tarifas, ou qualquer tipo de serviço pertinente à sua conta.

仅此通知,本行即日起发出的口头及书面通信可能将只提供英文版本。这些通信可能包括但不限于账户协议,账单和通知,条款或费用变更;或任何为您账户提供的服务。

A disciplined long-term investment plan should be the cornerstone of your portfolio.

Adaptive Valuation Strategies (AVS) is our strategic asset allocation methodology, which we use to determine a long-term investment plan, and build advisory and discretionary portfolios for each client.

Click here to read the 2020 AVS Summary Brochure.

Click here to read the 2020 AVS Mid-Cycle Update. 

Valuation-based approach

AVS takes a distinctive approach to estimating future asset-class returns based on current valuations.

Over time, low valuations have tended to be followed by high returns, and high valuations by low returns.

AVS therefore typically recommends larger allocations to asset classes with higher return estimates and smaller allocations to those with lower return estimates.

Deep insight into your risks

Traditional approaches to asset allocation have often failed to anticipate the frequency and severity of losses.

We believe the most relevant risk is that of your portfolio suffering severe losses during a crisis.

AVS therefore draws upon many decades of financial-market history to give you an insight into the risks you may face.

Customizable to your needs

A disciplined long-term investment plan should be the cornerstone of your portfolio.

Adaptive Valuation Strategies is our strategic asset allocation methodology, which we use to determine a long-term investment plan, and build advisory and discretionary portfolios for each client.

Our Wealth Experts