BPM
Boutique Portfolio Management
A bespoke investment service that adapts to your life. Experience the joy and ease of using Caribbean expertise to grow your wealth.
Why Choose BPM ?
Boutique Portfolio Management is not one-size-fits-all. You tell us your vision, whether planning university fees, travelling the world or retiring 10 years early, and we design a portfolio to get you there.
Your Goals First
From family milestones to once-in-a-lifetime experiences, BPM turns your financial goals into clear investment strategies.
A True Partnership
We work with you as a team. You bring the vision and funds, we bring the expertise to make it achievable.
"Your communication with your clients is exceptional.
I have interacted with other financial institutions that I have not had any form of communication for more than a year. Firstline has shown me that is not right."
– C. Alexander
Active Portfolio Management
BPM is not a set-it-and-forget-it service.
Our team of experts actively monitor and adjust your portfolio, responding swiftly to market changes to keep your investments on track.
This proactive management approach is designed to maximise returns while managing risk, providing you with peace of mind knowing that your portfolio is in capable hands.
"Firstline provides clients with an investment portfolio suitable to meet their needs."
– C. Bheem
"Firstline educates and guides their customers into making wise investment choices"
– G. Bissessar
How BPM Works:
Apply
Start the process by completing our online form
Meet Your Advisor
Sit down (virtually or in-person) with an FSL advisor to share your plans and priorities.
Together, we’ll explore your investment horizon and help you discover your personal risk rating, so your portfolio feels right for you.
Confirm Your Portfolio Fit
Our team will prepare a portfolio designed around your goals, timeline, and risk rating.
You’ll review the proposal with your advisor, ask questions, and confirm once it feels right for you.
Invest with Confidence
Upon fund transfer, your portfolio is activated and continuously managed by our professionals.
Case Study:
From Investment to Home Ownership
Turning Dividends into a Dream
In 2014, a client came to us with a clear vision: to grow their wealth steadily and use the income generated to achieve significant life milestones, such as purchasing an additional home. Fast forward to the end of 2023, this client bought a home in another country, funded entirely by the dividends received from their investments.
The Client:
Our client wanted to build a portfolio that would not only grow over time but also provide a consistent income stream through dividends.
The Investment Strategy:
Firstline’s BPM team designed a custom investment portfolio tailored to the client’s specific needs. The portfolio was diversified across dividend-paying stocks, bonds, and other income-generating assets. The active management approach ensured that the portfolio was continuously optimised to capitalise on market opportunities, maintain income stability, and manage risks.
- Performance Overview: -
Total Return Since Inception
(Oct 2014 - Dec 2023):
Annual Return
2023:
- The Impact And Outcome: -
The Impact:
Over nearly a decade, the client’s portfolio delivered a cumulative gross return of 178.61%, significantly enhancing their wealth. Even after accounting for management fees, the net return stood at an impressive 129.73%. This performance not only outpaced international market benchmarks but also ensured a steady stream of income, allowing the client to achieve their goal of purchasing a home.
The Outcome:
As a result of this strategic investment approach, the client accumulated significant wealth, primarily through over US$1.8M in dividends earned since inception. These dividends were used to purchase an additional home in another country, all while the original investment capital remains intact, ready to generate future income and growth.
Comparison to S&P 500:
To put this performance in perspective, the S&P 500, a widely recognised benchmark, returned approximately 158% during the same period (2014-2023). The client’s BPM-managed portfolio, with a gross return of 178.61%, outperformed the S&P 500, demonstrating the value of personalised, actively managed investment strategies.
- "What About The Fees Affecting Their Returns?" -
While index funds may appear to offer “higher returns” on paper, in reality, most self-directed investors don’t achieve these returns due to emotional reactions, missed opportunities, or lack of market insight.
It’s true that fees are a cost of managed portfolios like Boutique Portfolio Management, but these fees are just an investment in consistent expertise, strategies, exclusive opportunities and personalised attention over the entire time that you’re investing. That is a difficult feat to achieve on your own.
At Firstline, we believe in full transparency, which is why we haven’t hidden the difference in returns.
Ultimately, through Boutique Portfolio Management, the dividends our client earned allowed them to purchase an additional home, all without having to spend the time or effort to become their own investment expert – something many DIY investors might struggle to do alone.
- Boutique Portfolio Management can turn your financial goals into a reality -
Disclaimer: Please note that the performance results mentioned in this case study are based on past performance and do not guarantee future results. Investment outcomes can vary and are influenced by a variety of factors, including market conditions, economic changes, and individual portfolio decisions. The figures provided represent the performance of one individual’s portfolio and may not be indicative of the results other clients will achieve. We encourage you to consult with our financial experts to understand the risks and benefits associated with any investment decisions you may consider.
"Firstline is best for its information, investments and its returns."
– K. Mendoza-Edwards
"You offer exactly what your tagline says; 'Creating Wealth for the People.'"
– L. Alexis
BPM Starts From TT$25,000
BPM portfolios begin with a minimum investment of TT$25,000. Clients may increase their holdings in larger amounts at any time, allowing portfolios to grow in line with their goals.
Investment Options
Accounts can be denominated in both Trinidad & Tobago dollars and US dollars
Eligibility
Eligibility is subject to standard KYC and industry verification requirements.
Frequently Asked Questions:
Can't I Just Invest In Some ETF's Online?
ETFs are certainly a useful tool in a portfolio. However, because they track the market directly, without professional oversight you are fully exposed to its ups and downs, with no safeguard during downturns.
Boutique Portfolio Management offers more. Your portfolio is actively managed to preserve capital, manage risk, and reflect your individual goals and values.
For example, during periods of volatility, BPM clients benefited from strategic asset allocation that helped cushion portfolios against sharp declines, keeping them on track toward their long-term objectives.
Is Capital Guaranteed?
No. As with all investments, values may fluctuate and capital is at risk.
What Kind Of Returns Can I Expect?
Returns depend on your chosen strategy, risk profile, and prevailing market conditions.
While no portfolio can guarantee results, our tailored approach is designed to optimise performance while managing risk in line with your objectives.
Can I Access My Money If I Need It?
Yes, you may request to withdraw funds at any time.
While many portfolios are designed for long-term growth and stability, we understand that circumstances can change. You can arrange withdrawals easily, subject to standard settlement timelines.
What Fees Apply?
BPM maintains transparent management and advisory fees, at 1.5%.
Can I Invest With Family & Friends?
Yes, your BPM account may be opened as a joint investment with up to three people.
In this case, the portfolio is managed as a single account, with all parties having equal access and rights. This includes decisions on beneficiaries and other account-related matters. If you and your friends are considering a joint portfolio, we recommend booking a call with our team so we can walk you through the process and ensure it is structured to meet your shared goals.
"Exceptional client service"
– K. Robinson
"I like how you treat your clients."
– E. Barran
"You are best at providing options."
– J. Doyle
Access To Exclusive Investment Opportunities
As a BPM client, you gain access to exclusive investment opportunities, like private placements, that are typically reserved for institutional investors.
With BPM, you get the seat at the table of opportunities that normally require multi-millions to join.
- Listen To A Client Testimonial -
What Boutique Portfolio Management has done for them,
it can do for you.
Disclaimer: Please note that the performance results mentioned in this audio testimonial are based on past performance and do not guarantee future results. Investment outcomes can vary and are influenced by a variety of factors, including market conditions, economic changes, and individual portfolio decisions. The figures provided represent the performance of one individual’s portfolio and may not be indicative of the results other clients will achieve. We encourage you to consult with our financial experts to understand the risks and benefits associated with any investment decisions you may consider.
"Keeps me in the loop and informed of any potential new investments. Also I like the fact that my csr is easily accessible if I have any queries."
– C. Sealey
"Knows the local capital market"
– J. Gedeon
Values-Based Investing
Your values matter to us.
BPM offers the flexibility to align your investments with your ethical and moral beliefs, whether you’re interested in ESG investing or want to avoid specific companies or industries completely. We ensure your portfolio reflects what matters most to you, so you can grow your wealth while staying true to your principles.
Boutique Portfolio Management offers a level of service that’s unmatched in Trinidad & Tobago’s financial industry.
Still On The Fence?
Watch our masterclass, “How To Transform Your Savings Into True Wealth” for greater insight into BPM, and the reason behind why our business exists.
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