These traits include family structure, marriage rules, organization of society, and ways of gaining survival needs or making a living. Melanesia itself is part of a larger culture area called Oceania that includes Melanesia, Polynesia, Micronesia, and Australia. The native inhabitants of Melanesia, called Melanesians, are characteristically dark-skinned with frizzy hair. They are sometimes referred to as "Papuans," from the Malay word papua meaning "frizzy haired.
Aggregate Asset Management is the Tok essay word limits fund management company that completely aligns clients' interest with the fund managers. Clients do not pay management fees - and only pay performance fees when they enjoy absolute returns. We are value investors — we invest in undervalued listed securities in Asia by practicing an independent, bottom-up approach to security selection.
By long term, we mean 5 years or more. Our clients are high net worth individuals, companies, family foundations and institutions. This incentivizes funds to chase growth of AUM instead of performance for their clients. It aligns the interest of clients with the company.
At AAM, clients only pay a fee when their investments are profitable. In investor parlance, only a performance fee is levied when the fund hits a new high water mark.
This is unheralded in the fund management industry in Singapore. B Extensive Diversification Across Asia.
AAM holds more than stocks in its portfolio. AAM recognizes that investing in stocks is a risky endeavor — and a unique and effective method that AAM pioneered to reduce risks substantially is by extensive diversification.
Traditionally, most fund management companies hold stock positions of between Holding too few stocks can result in highly volatile results and a mistake made in stock selection can be punishing to performance for the entire fund.
With extensive diversification, clients and fund managers can sleep better at night. This was achieved despite a difficult period of the last few years against a backdrop of the Euro crisis, Brexit, commodity bust, correction in oil price. D AAM serves individual investors.
AAM was set up with a focus to help individual investors meet their retirement goal. We are a firm set up by individuals for individuals because we see so many people struggle with meeting their retirement needs.
The value of this concept is that at the end of the day, he will still be able to leave a sizeable amount for his beneficiaries.
Many of our clients use the fund as a long-term savings plan by making regular contributions to the fund. E AAM is a small boutique firm owned and operated by its founders.
The founders of AAM dedicate themselves to a single focus on clients by delivering stellar investment results that would enable them to meet their goals of retirement, wealth preservation or leaving a legacy for future generations.
Unlike most other funds out there, the founders are personally invested in the fund. They contributed capital at startup, and have re-invested their returns into the fund. Their financial well-being is tied to the growth of the fund, aligning their interests with clients.
They worry when clients worry and rejoice along with clients when the fund does well. In other words, the founders are eating from the same pot that they are cooking for their clients.
Before that, he enjoyed a long career with the Singapore Foreign Service from to He was Permanent Secretary at the Foreign Ministry from to His last position before co-founding Aggregate Asset Management in was with a local boutique investment management firm where he co-managed investments for high net worth individuals and a sovereign investment fund.
Kevin Tok Executive Director Kevin is responsible for marketing, client acquisition and client relations. He has extensive experience in financial planning and marketing of financial products, after having spend 20 years with AIA as a District Director prior to co-founding Aggregate Asset Management.
Kevin understands the concerns of individuals in the area of estate planning and wealth transfer. Prior to joining Aggregate Asset Management, she was in the financial services industry for more than 15 years. He has passed CFA Level 3. Prior to joining Aggregate Asset Management, he was an investment analyst with a family office researching global stocks primarily in the consumer and healthcare sectors.How to write essays: 10 good answers to the question.
There are different types of essays and all of them require specific approaches. However, these general tips will help you to write any type of essay better and faster.. Select a topic you are very well aware of. Matt Bracken is the author of the Enemies Foreign And Domestic trilogy, along with his latest novel, Castigo Cay.
Author’s Note: This essay and last week’s “What I Saw At The Coup” were both written in response to the article published on July 25, in the semi-official Small Wars Journal titled “Full Spectrum Operations in the Homeland: A Vision of the Future.”.
Science Fiction, Fantasy, and Horror authors, with last names begining 'S', over hotlinks, Pseudonyms and Notes without Links; total Links/Names. Defined narrowly, epistemology is the study of knowledge and justified belief.
As the study of knowledge, epistemology is concerned with the following questions: What are the necessary and sufficient conditions of knowledge? Don’t forget about the word limit, which cannot exceed 1, words, otherwise it will be penalized.
A Competitive IB Theory of Knowledge Essay (ToK) Development. ToK Essay Example - Theory of Knowledge Essay Order details: Two areas of knowledge - mathematics and art incorporate ways of knowing and knowledge questions, claims . Essays over the maximum word count of 1, are penalised with a one mark reduction, and any content beyond the th word of the essay is not read by the examiner.
 TOK presentation [ edit ].