Services

Asset Allocation

Our asset allocation process begins with the identification of the client's profile and objectives and is aimed at optimizing the portfolio's risk-return spectrum. Diversification - both geographical and by asset category - has guided Turim's management philosophy since its foundation. In order to stay aligned with our clients' best interests, we do not offer products and are constantly in search of the best investments available. We invest in exceptional people and teams, who have a strong history of alpha generation: we're not looking for "manager of the year", but the manager who consistently ranks among the best in his industry. We have long-term vision and deliver wealth preservation.

For Example
Example:

How are my family members' diverging objectives going to be handled?

By combining exclusive investment funds and individual investments, it is possible to customize portfolios with different levels of risk and expected return for each individual.

Turim & MIT Project

Turim had the opportunity to back one of the MIT - Sloan School of Management* (Action Learning Lab) lab projects, developing together a model focusing on the identification of the investor profile to be used internally.

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Succession, retirement plans and trusts

We prepare for our clients' succession by understanding their needs and drafting the appropriate plan. We provide customized solutions and how to best execute them, always vigilant of fiscal and legal complexities in a global environment. The experience with each family greatly contributes to our knowledge.

For Example
Example:

Do you have a will?

If the answer is yes, the probated will in Brazil is granted in aproximately two years. If not, and as long as the heirs are of legal age and in agreesome, an extrajudicial settlement takes only a few months and may be an option.

Offshore investments and other assets

Turim designs and incorporates offshore structures for investments, real estate purchases and other assets. We provide the maintenance of these structures together with other service providers such as accountants, lawyers and Register & Transfer Agents (Corporate Service).

For Example
Example:

What's the best way to buy real estate abroad?

The aquisition of an offshore real estate property involves analyzing several aspects, such as: price range, jurisdiction, the client's profile and his succession plan, among others. For instance, if you want to purchase a low-cost property in the USA, the best way could be acquiring it directly, meanwhile if it's a high-cost property, it could be more favorable to do so by means of a corporate entity.

Information and Document Consolidation

Through a meticulous collection and analysis process, we transform scattered data into intelligent information. All of the client's investments are consolidated into one report, so that the portfolio can be viewed in a global, simple and clear way. Our Monthly Reports provides information such as: the individual and global investment return, performance attribution by asset class, capital flows and the portfolio's liquidity. Turim has developed a software in-house, customized to meet the needs of a Multi-Family Office.

For Example
Example:

To what extent do you trust reports provided by financial institutions?

Turim daily validates data and reports provided by financial institutions. Errors concerning pricing, asset balances and undue charges/fees, are commonly detected. Therefore, we evaluate and appraise these errors, monitoring and requesting improvements.

Accounting and Tax Coordination

Together with tax planning specialists, Turim designs and evaluates structures that optimize legal and fiscal issues, both in Brazil and abroad. We manage these structures, making sure that they comply with their jurisdiction's regulation. We advise accountants and other service providers regarding legal and tax obligations.

For Example
Example:

What are my obligations in Brazil if I own an offshore company?

A brazilian tax resident is obliged to anually declare his company's equity through the Brazilian Central Bank's census and also through his income tax return. It is advisable to keep an updated balance sheet.

Financial Education

We offer education modules in finance and economics, illustrating concepts through practical examples in order to facilitate financial market and asset management understanding . We aim at empowering younger generations, to best prepare them for managing the resources they will eventually inherit.

For Example
Example:

In order to participate, is prior knowledge in finance required? What are the topics covered?

No previous knowledge is necessary. The lessons address different themes and can be customized to meet specific interests of each family. In addition to financial foundations, we explore the current economic scenario and explain investment portfolio reports produced by Turim.

Philanthropic Planning

We coordinate the evaluation of nonprofit projects, whether they are developed by the client, or third party projects that arouse their interest. In addition, we keep in touch with professional and well-structured organizations, disposing of a range of options for families who are interested in philanthropy.

For Example
Example:

What tools are available for contributing to humanitarian and environmental causes?

In Brazil, there is a lot of bureaucracy involved in donations to philanthropic projects. Investment funds that revert part of their management fees to social and environmental projects could be an interesting option. There are also tax incentive laws that reverts taxes in support of cultural and social projects.

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Turim & MIT Project

Strategic Investor Profiling

Turim had the opportunity to back one of the MIT – Sloan School of Management* (Action Learning Lab) lab projects, developing together a model focusing on the identification of the investor profile to be used internally. Aiming to better align our clients’ investment portfolio with their objectives, this project considered the improvement of our Investment Policy model and internal processes. An extensive analysis of the industry’s best practices was conducted together with an evaluation of recent and influential papers published about profiling, risk attributes and metrics, as well as of cognitive sciences. This initiative is coherent with our constant search for challenges that allows us to evolve and guarantee the quality of our service.

*Massachusetts Institute of technology (MIT) – Sloan School of Management is a renowned business school located in Cambridge, Massachusetts – USA, ranked amongst the top 10 in the world by the Financial Times