Wealth Management

Accountability to Donors: Tigers Inc. operates a professionally structured, student‑managed growth fund designed to mirror the professionalism, discipline, and fiduciary responsibility of real‑world wealth management firms, providing students with real-world experience to prepare for a future at financial firms. All investment decisions, portfolio oversight, financial reporting, and allocation processes follow documented procedures to ensure continuity, accountability, and long‑term sustainability. As students, our goal is to be stewards of the organization's funds while educating members in financial and investment literacy. Long‑term planning frameworks and member continuation ensure continuity in strategy and performance across graduating classes, eliminating volatility from team turnover and preserving donor confidence. Strategic Investment Philosophy: Tigers Inc.’s investment philosophy is grounded in research, discipline, and continuity. • All investments must directly support the fund’s predetermined long-term portfolio goals, reaffirmed through semester reviews, strategic alignment meetings, and coordination with professional advisors. • Students focus on an actively managed approach that focuses on growth while remaining a steward of the funds accessible to them. • The team strives to make evidence‑based decisions rooted in both fundamental and technical analysis, with a focus on maintaining competitive performance relative to the broader market while mitigating substantial risk. • Investment activities are diversified across sectors, size, growth/value, and geography, and are regularly strategically refined to ensure alignment with long‑term growth, risk management, and portfolio longevity. Responsible Stewardship of Capital & Professional Standards: Tigers Inc. commits to principles of integrity, discipline, and professionalism. • All processes, onboarding, research, voting, allocation, and review, are executed following standards modeled after real‑world investment firms, emphasizing professional conduct and analytical rigor. • Team leadership is determined by prior members based on demonstrated leadership, work ethic, analytical capacity, course rigor, and commitment to operational integrity, ensuring the fund is always managed by qualified individuals. Fund and Holding Account Guidelines: We recognize that all donor and investor contributions represent trust placed in our organization. As such: • Tigers Inc. maintains a strict Holding/Staging Account allocation rule, ensuring donations are secured within 48 hours and managed according to formal safety and liquidity requirements. • The Holding Account must retain two and a half years of projected expenses at all times, ensuring organizational stability and preventing reckless drawdowns. • No withdrawals from the Student Managed Growth Fund should occur except under significant circumstances or emergencies, maintaining portfolio integrity and protecting donor contributions from mismanagement. • Any excess capital aside from the projected expenses is dedicated for investment and is deployed through a regulated Monthly Dollar‑Cost Averaging (DCA) process to reduce timing risk and promote prudent, long‑term compounding and further familiarization with fund holdings. • Investment selection emphasizes diversified exposure and disciplined risk management, adhering to the roughly 75-80% stocks and 20-25% funds capital split designated by the portfolio steering committee, with limits of 30 individual stocks and 10 funds for maximized portfolio balance and student familiarity with the holdings. Oversight & Decision‑Making Discipline: Tigers Inc. follows a documented framework for strategic planning, goal formation, and portfolio oversight. • Decisions are guided by structured evaluation processes requiring members to understand all current holdings, review historical goals, and identify areas of improvement or further research before adjusting strategy. • All investment recommendations, buy, sell, or rebuy, must follow formal presentations, research requirements, price targets, an investment timeline for future classes, and a two‑thirds majority vote to ensure confident decisions and mitigate individual bias. • All actions occur through documented, repeatable structures designed to emulate professional firms and enforce consistent accountability across student teams. • Students also meet at least once a quarter with a wealth advisor. Wealth advisors will look over the portfolio and use their exclusive resources and information to give professional advice and recommendations on the fund holdings and goals, as well as an outlook on the future of the market and lessons centered on general financial literacy. Transparency & Documentation: Tigers Inc. ensures that every financial decision is both traceable and justifiable. • It is required for students to record their rationale for each security in an in-depth and well-explained thesis. The in-depth thesis should include, but is not limited to: a summary of the business model, a SWOT analysis, revenue and EPS projections, price targets, important notes for the present and future classes, a recommended holding period, and any specific notes. The thesis is then recorded within the Tigers Inc. Current Portfolio documentation system for future reference and team continuity. • All quarterly and semester goals are formally documented and archived in the Portfolio Goal Record for transparent historical review and long‑term consistency in strategy. • Portfolio reviews occur on a regular, required schedule, ensuring that team members remain fully informed of performance, fundamentals, risks, and alignment with organizational objectives.