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LGI-iFAST Trigger Point Investment Strategy

Introducing the LGI-iFAST Trigger Point Investment Strategy (LTP)

The LGI-iFAST Trigger Point Investment Strategy (LTP) offers a methodical, rule-based approach to help investors navigate market fluctuations with confidence. This strategy includes two distinct investment plans:

  1. Wealth Accumulation Plan (WAP) – Focused on achieving long-term capital growth through market valuation metrics, such as Price-to-Book (P/B) ratios.

  2. Tactical Opportunities Plan (TOP) – A flexible, dynamic strategy that adapts to market conditions with buy and sell targets to optimize investment returns.

By automating investment decisions, the strategy removes emotional biases, enhances portfolio performance, and allows investors to leverage market trends.

Investment Challenges in Singapore

Investors in Singapore face several common portfolio management challenges, including:

  • Market Timing Risks – Accurately determining the right time to buy or sell can lead to missed opportunities.

  • Lack of Disciplined Rebalancing – Portfolios can become unbalanced, increasing risk exposure.

  • Emotional Investing – Fear and greed can drive poor decisions, such as buying high and selling low.

  • Limited Diversification – Concentrating too much on a single sector can increase vulnerability to market downturns.

  • Static Investment Strategies – Traditional buy-and-hold approaches may not be well-suited to ever-changing market conditions.

The LGI-iFAST Trigger Point Investment Strategy is designed to address these challenges with a structured, rules-driven solution.

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Wealth Accumulation Plan (WAP): Long-Term Growth Strategy

The Wealth Accumulation Plan (WAP) is tailored for investors seeking long-term capital growth by utilizing P/B ratios to inform investment decisions.

How WAP Works

  • Trigger Point: P/B Ratio

  • Objective: Achieve capital appreciation through global market diversification.

  • Investment Allocation:

    • Focus on U.S., China, Europe, and Emerging Markets

    • Adjusts equity allocation based on market valuation levels

Key Features of WAP

  • Data-Driven Portfolio Adjustments:

    • High P/B Ratios → Reduce equity exposure and shift to safer assets (e.g., bonds).

    • Low P/B Ratios → Increase equity exposure to buy undervalued assets.

  • Automatic Rebalancing: Regular portfolio adjustments without the need for constant monitoring.

  • Emotion-Free Investing: Eliminates the impact of fear and greed-driven decisions.

Benefits of WAP

✔ Optimized for long-term growth
✔ Reduces risk through systematic rebalancing
✔ Removes emotional bias from investment decisions

WAP is ideal for investors focused on building wealth over a long-term horizon.

Tactical Opportunities Plan (TOP): A Flexible, Market-Responsive Strategy

The Tactical Opportunities Plan (TOP) is a dynamic approach that adapts to short-term market movements, leveraging predefined buy and sell targets to seize opportunities as they arise.

How TOP Works

  • Trigger Point: Predefined Buy or Sell Target

  • Objective: Take advantage of tactical investment opportunities.

  • Investment Allocation:

    • 55% Core Allocation: 33% in Global Equities, 22% in Emerging Markets Equities.

    • 45% Tactical Allocation: Invests across 44 tactical sectors, with flexible shifts between fixed income and equities based on market conditions.

Key Features of TOP

  • Buy Target: Identifies optimal entry points based on historical market drawdowns and correction periods.

  • Sell Target: Exit triggers include a 10% gain above the previous market peak, full profit realization, or a 7-year holding period.

  • Dynamic Asset Allocation: Portfolio allocations adjust automatically based on market movements to take advantage of short-term opportunities.

Benefits of TOP

✔ Maximizes returns by capitalizing on market fluctuations
✔ Provides a structured, disciplined approach to tactical investing
✔ Ensures buy and sell decisions are based on predefined triggers

TOP is perfect for investors looking to capitalize on short-term market movements while maintaining a disciplined strategy.

WAP vs. TOP: A Quick Comparison

Feature Wealth Accumulation Plan (WAP) Tactical Opportunities Plan (TOP)
Trigger Point P/B Ratio Buy or Sell Target
Objective Long-term capital growth Short-term tactical opportunities
Portfolio Type Global diversified portfolio 55% core, 45% tactical allocation
Risk Management Adjusts exposure based on valuations Uses buy/sell targets for optimal entry/exit points
Investment Horizon Long-term focus Flexible, market-responsive strategy

Both WAP and TOP offer data-driven strategies to help investors minimize emotional bias and optimize performance.

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Why Choose the LGI-iFAST Trigger Point Investment Strategy?

The LGI-iFAST Trigger Point Investment Strategy is designed for Singapore investors seeking a disciplined, rules-based approach to investing.

  • WAP: Ideal for investors focused on long-term capital growth through strategic allocation.

  • TOP: Perfect for investors seeking flexibility to exploit tactical market opportunities.

Key Benefits:

✅ Automated Portfolio Adjustments – Eliminates emotional decision-making.
✅ Optimized Market Entry & Exit – Uses P/B ratios (WAP) and buy/sell targets (TOP) for informed decisions.
✅ Global Diversification – Reduces exposure to risk.
✅ Ensures Long-Term Growth – Structured approaches for both stable and volatile markets.

Final Thoughts: Which Plan Fits You Best?

Whether you’re looking to accumulate wealth over the long term (WAP) or take advantage of short-term market opportunities (TOP), the LGI-iFAST Trigger Point Investment Strategy helps you maximize returns while minimizing emotional decision-making.

Interested in applying this strategy to your portfolio?

📢 Contact me today for a personalized consultation and investment guidance!

Disclaimer: The information provided here is for general informational purposes only and should not be relied upon as professional financial advice. Please consult an independent financial advisor to address your specific financial goals and needs. This publication has not been reviewed by the Monetary Authority of Singapore.

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Alvin Low Wai Seng

Alvin has been licensed to be an Fellow Chartered Financial Practioner and Associate Wealth Planner. His investment philosophy is based on the premise of investing only in companies which create true shareholder value; companies that pay a steady dividend stream and sustainable growth in earnings, while providing lower volatility and strength on the downside. His tagline is Navigating the ‘IF” in Life.

During his 20 years in the financial industry, Mr. Alvin Low has qualified as a member of the Million Dollar Round Table, which represents the top 6% best producers in the world.

He firmly believes in the continuous upgrading and re-skilling of the individual. Alvin also holds a Post-graduate Diploma in Marketing (CIM, UK), where the field of marketing is a passion to him.

As a firm believer in returning to society, he volunteers regularly in the hospitality ministry in church.  To date, he has also donated more than 100 times as a blood donor, making him one of the few champion blood donors in Singapore.

In 2012, he successfully completed the national train-the-trainers program, ACTA: Advanced Certificate in Training and Assessment. This program equips trainers with the basic understanding and competency to run the national Workforce Skills Qualification (WSQ) programs.

Arrange for a non obligatory consultation here.

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策