Clear Information Throughout the Mandate
Managed money deserves visible management. Portfolio reporting shows you the activity, value, costs, risks and progress of your portfolio, framed against the mandate we agreed. Depending on your mandate, reports cover:
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Portfolio valuation
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Holdings and asset allocation
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Transactions and portfolio activity
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Performance information
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Fees and charges
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Income or distributions, where applicable
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Currency exposure
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Risk and concentration information
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Mandate or restriction updates
Our Reporting Principles
Clarity
Information you can actually understand, not jargon to decode.
Consistency
The same approved methods and formats, every period.
Transparency
Material fees, risks and activity shown, never buried.
Relevance
Reporting that reflects your mandate and your portfolio.
Timeliness
Reports provided according to the terms agreed with you.
Document Control
Approved templates, version control and governance behind every report.
The Portfolio Reporting Cycle
Portfolio activity is recorded. Every transaction and cash movement, as it happens.
Holdings and transactions are reconciled. Records checked against official sources.
Portfolio values are calculated. Using approved pricing and valuation sources.
Performance and fee information is prepared. Under the documented methodology.
Controls and reviews are completed. Internal checks before anything reaches you.
Your report is issued. Through the delivery channel agreed in your mandate.
Your questions are addressed. Through reporting support or a review discussion.
Reporting frequency and delivery method are set in your mandate and client agreement, and confirmed with you before the mandate begins.
What a Portfolio Statement May Include
Opening Value
The portfolio's value at the start of the reporting period.
Closing Value
The portfolio's value at the end of the reporting period.
Holdings
Your investments and portfolio positions.
Transactions
Purchases, sales and other activity in the period.
Cash Activity
Deposits, withdrawals and cash movements.
Fees and Charges
Management and other applicable costs actually applied.
Holdings, Allocation and Transaction Activity
Reports show how the portfolio is allocated across its investments and asset categories, including:
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Investment or asset-category name
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Valuation
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Currency
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Unrealised gain or loss, where applicable
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Quantity or position size
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Portfolio weighting
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Sector or regional exposure, where relevant to the mandate
Each transaction completed during the reporting period is itemised, matching the official records:
| Field | What it shows |
|---|---|
| Transaction date | When the transaction was executed |
| Investment | The instrument bought or sold |
| Transaction type | Purchase, sale or other activity |
| Quantity | The size of the transaction |
| Price | The executed price |
| Currency | The transaction currency |
| Charges | Costs applied to the transaction |
| Settlement status | Where the transaction stands |
How Your Portfolio Is Valued
Valuations are based on approved pricing and valuation sources, applied consistently. The process considers available market prices, currency-conversion rates, accrued income where applicable, portfolio liabilities and charges, and third-party valuation information. Some investments do not have a continuously available market price; where an investment is illiquid or difficult to value, the approved methodology governs how it is treated, and the valuation date is always stated on your report.
Understanding Portfolio Performance
Performance reporting explains how your portfolio's value changed during the period, and it is only honest if the method behind it is visible. Your reports state:
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The period return and, where applicable, the cumulative return
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Whether performance is shown gross or net of fees
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How contributions and withdrawals are treated, so deposits are never
mistaken for growth
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How income and distributions are treated
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The reporting currency and period
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The benchmark treatment, where a benchmark applies
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Any assumptions used and any material limitations
* Past performance does not guarantee future results.
Portfolio Performance Visual
Sample data. Not real client performance. Past performance does not guarantee future results.
Benchmarks, Fees and Income in Your Reports
Where appropriate and agreed in your mandate, portfolio information is compared with an approved benchmark or reference measure. When a benchmark is used, the report explains which benchmark and why, the reporting currency and calculation period, whether fees are included, the material differences between the benchmark and your portfolio, and the limitations of the comparison. A benchmark is chosen because it is relevant to the mandate, never because it flatters the results, and a comparison does not guarantee future performance or indicate that the portfolio will outperform.
Reports show the costs actually applied during the period:
| Charge type | How it is reported |
|---|---|
| Management fee | The annual management fee accrued for the period, calculated on portfolio value under the client agreement |
| Transaction costs | Costs of purchases and sales in the period |
| Custody charges | Where applicable to the portfolio's holdings |
| Currency charges | Where conversions occurred |
| Third-party costs | Where applicable, itemised |
| Other charges | Anything else applied under the agreement |
All fee reporting matches the mandate, client agreement and approved fee schedule.
Where the portfolio generates income, reports show interest, dividends and other distributions, tax or withholding information where applicable, reinvestment activity and cash credited to the portfolio. Income is not guaranteed and may vary or stop.
Portfolio Risk & Exposure
Asset Exposure
Allocation across the portfolio's categories.
Concentration
Exposure to particular assets, sectors, regions or currencies.
Liquidity
How accessible the portfolio's investments are.
Currency Exposure
Exposure to movements in relevant currencies.
Mandate Limits
The limits and restrictions that apply, and where the portfolio stands against them.
Other Material Risks
Any other risk information relevant to your portfolio.
Reviewing the Portfolio Against the Mandate
Reviews check that the portfolio remains within its agreed parameters:
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Permitted investments
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Concentration limits
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Liquidity requirements
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Risk parameters
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Asset-allocation limits
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Currency limits
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Client restrictions
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Other mandate conditions
Any identified issue follows the approved internal review, escalation and client-communication process. You hear about it from us, not from your own detective work.
Periodic Portfolio Reviews
Reviews are a conversation, not a document drop. They cover portfolio activity, performance, fees, risks and asset allocation, and just as importantly, whether the mandate still matches your objectives and circumstances. Reviews are held at the intervals agreed in your mandate, in the format that suits you: a meeting, a call or a digital session.
When Your Circumstances Change
Tell us about material changes that may affect the relationship: your objectives, financial circumstances, risk profile, capacity for loss, investment horizon, liquidity requirements, tax residency, contact details, investment restrictions or authorised representatives. A mandate can only fit your life if we know when your life changes.
Changes to the Portfolio Mandate
Identify the change. Raised by you, or by us during a review.
Review its effect. Against the existing mandate.
Discuss it with you. Nothing changes without the conversation.
Update suitability information. Where the change requires it.
Document and approve. The revised mandate is recorded and signed.
Implement. The portfolio is adjusted to the approved update.
Accessing Portfolio Reports
Client Portal
Access approved reports through a secure login, where the portal service is available to your account.
Secure Digital Delivery
Reports delivered through an approved secure channel.
Paper Delivery
Available where operationally and legally approved.
Portfolio Review
Reports discussed with you during the review process.
See What a Portfolio Report Looks Like
A sample report shows the structure before you ever engage: portfolio summary, holdings and allocation, transactions, performance, fees and charges, risk information and the important disclosures.
*Sample content is illustrative and does not represent an actual client, portfolio or expected result.
Accuracy, Corrections and Governance
Questions & Corrections
Review your reports, and contact us if anything looks incomplete or incorrect. The reporting-support process receives your enquiry, confirms the relevant report and period, reviews the portfolio records, investigates, corrects information where required and provides you with a response. Reporting questions go to Portfolio Support; if you wish to raise the matter formally, the complaints process is always open to you.
Document Governance
Every client report is produced under approved governance controls: approved templates, version control, data-validation checks, internal review before issue, restricted access, secure delivery, record retention and a defined correction and escalation process.
Frequently Asked Questions
The portfolio's opening and closing value, holdings and allocation, transactions, cash activity, performance, fees and charges, income where applicable, risk and exposure information, and any mandate updates.
Through the delivery channel agreed in your mandate: the client portal where available, secure digital delivery, or paper where approved. Reports are also discussed at your reviews.
Under a documented methodology stated on your reports, covering the calculation basis, the treatment of cash flows and income, the currency and the period.
They are shown separately and treated under the stated methodology, so money you added is never presented as growth.
Itemised by type for the period, matching the client agreement and approved fee schedule. Nothing is charged outside the agreed documents.
Monitoring is continuous, and review discussions are held at the intervals agreed in your mandate.
Tell us as soon as practical. Material changes can affect your suitability profile and may lead to a mandate review.
Through our official complaints process, by writing to complaints@aetramfinserv.ae. The Complaints Handling page explains what to include and how escalation works.
At the intervals set in your mandate and client agreement, confirmed with you before the mandate begins.
Using approved pricing and valuation sources, applied consistently, with currency conversion and accrued income handled under the documented methodology. The valuation date is always stated.
Your report states explicitly whether figures are gross or net of fees, so there is never ambiguity about what the number includes.
Only where appropriate and agreed in your mandate. When one is used, the report explains which benchmark, why, and the limitations of the comparison.
Through exposure, concentration, liquidity and currency information, plus the portfolio's position against its mandate limits.
Yes. Contact the portfolio team and a review will be arranged.
Contact reporting support with the report and period concerned. We will investigate against the records and correct anything that requires it.
Reporting Support & Documents
Portfolio Support
Ask about reports, reviews, fees or portfolio access.
Discuss Portfolio Reporting & Reviews
Reporting arrangements depend on the approved mandate, client agreement, service structure and available systems. Returns are not guaranteed.