This is an asset allocation version of the GEM-Q Model smallcase.

• The underlying theme of the smallcase mimics the pure equity version smallcase “GEM-Q Model”
• This smallcase is composed of companies that have demonstrated consistent earnings growth over the years, supported by high return on equity (ROE) — a sign of both profitability and efficient capital management.
• The stock selection also incorporates forward-looking expectations of positive earnings growth, ensuring the portfolio reflects not just past performance but also future potential.
• Furthermore, only companies with robust upward price momentum and those ranking in the top quartile of market performance are included, aligning fundamentals with strong market sentiment.
• To reduce the risk of the smallcase, we include other asset classes like gold and debt which is not done in the original smallcase. Thus,this version of the smallcase provides better risk-adjusted returns, especially during market turmoil

This smallcase is suitable for those who want the benefit of the “GEM-Q Model” smallcase strategy with added protection of asset allocation to safeguard against prolonged market downturns. This version of smallcase reduces fluctuation in portfolio value while providing a smooth wealth creation journey.