VCML

Aspect	Information
Company Name	VCML
Registered Country/Area	Bangladesh
Years	2-5 years
Regulation	Unregulated
Customer Groups	Employees With Stock Compensation, Gen X, Nike Employees, Nonprofits, People Experiencing Life Transitions, Professionals, and Women Seeking Female Financial Advisors
Services	Risk-Based Asset Allocation, Equity and Fixed Income Strategies, Backing Of The Entire Vison Capital Team, and Financial Planning
Investment Management	Financial Planning, Personal Investing, and Nonprofit Investing
Customer Support	Phone: (503) 221.5656 or (800) 707.5335, Email: info@visioncapital.com.bd, and Ticket
Educational Resources	Lunch and Learns In the Office, Blog Posts, and Women-Focused Events

Overview of VCML

VCML is a financial firm operating in Bangladesh for 2-5 years, offering unregulated services to multiple clientele. Customer groups include employees with stock compensation, Gen X, Nike employees, nonprofits, individuals undergoing life transitions, professionals, and women seeking female financial advisors.

VCML provides services such as risk-based asset allocation, equity, and fixed-income strategies, backed by the entire Vision Capital team, and comprehensive financial planning. Their investment management services cover financial planning, personal investing, and nonprofit investing.

For customer support, VCML can be reached via phone, email, or a ticket system. Additionally, VCML offers educational resources, including lunch and learns in the office, blog posts, and events focused on women.

Regulatory Status

VCML operates as an unregulated trading platform.

The absence of regulatory oversight increases the risk of fraudulent activities and scams within the institution. Customers may become targets of unscrupulous practices, posing a threat to their financial well-being.

Pros and Cons

Pros	Cons
Different Customer Groups	Limited Regulatory Oversight
Comprehensive Financial Services	Relatively Short Operating History
Backing of the Entire Vision Capital Team	Lack of Regulation in Bangladesh
Rich Educational Resources	Limited Investment Management Options
Focus on Women's Financial Empowerment	Potential Customer Trust Challenges

Pros:

1. Different Customer Groups: VCML accommodates a range of customer groups, including employees with stock compensation, Gen X, Nike employees, nonprofits, individuals in life transitions, professionals, and women seeking female financial advisors. This diversity can contribute to a broad client base and varied financial perspectives.

2. Comprehensive Financial Services: VCML offers a range of financial services, including risk-based asset allocation, equity and fixed-income strategies, and financial planning. This comprehensive approach allows clients to access various financial tools and strategies based on their unique needs.

1. VCML offers a range of financial services, including risk-based asset allocation, equity and fixed income strategies, and financial planning. This comprehensive approach allows clients to access various financial tools and strategies based on their unique needs.

1. Backing of the Entire Vision Capital Team: Clients benefit from the support of the entire Vision Capital team. This collective expertise can enhance the quality of financial advice and services provided to clients.

2. Educational Resources: VCML provides educational resources, such as Lunch and Learn, blog posts, and events focused on women. This commitment to financial education can empower clients to make informed decisions about their finances.

3. Focus on Women's Financial Empowerment: VCML has a specific focus on empowering women financially, acknowledging their unique needs and challenges. This specialization can create a more inclusive and supportive financial environment.

Cons:

1. Limited Regulatory Oversight: Being unregulated implies a lack of oversight by financial regulatory authorities. Consumer protection, ethical standards, and potential risks associated with unmonitored financial activities can be concerning.

2. Relatively Short Operating History: VCML's operating history of 2-5 years is relatively short. Limited historical data may make it challenging for clients to assess the firm's long-term performance and stability.

3. Lack of Regulation in Bangladesh: The fact that VCML operates in Bangladesh, where it is unregulated, and the legal and regulatory framework governing its activities are questionable. This lack of regulation may impact investor confidence.

4. Limited Investment Management Options: The absence of regulatory constraints might limit VCML's adherence to certain industry standards, potentially affecting the diversity and sophistication of investment management options offered to clients.

1. The absence of regulatory constraints might limit VCML's adherence to certain industry standards, potentially affecting the diversity and sophistication of investment management options offered to clients.

1. Potential Customer Trust Challenges: Unregulated status may lead to potential challenges in building customer trust and credibility in the market. Investors might be cautious due to the absence of regulatory assurances regarding ethical practices and financial stability.

Customer Groups

Employees With Stock Compensation: VCML's team knows a lot about different types of stock compensation, like Incentive Stock Options (ISOs), Nonqualified Stock Options (NSOs), Restricted Stock Units (RSUs), and more. Because these benefits can affect taxes, investments, and long-term finances a lot, VCML regularly reviews stock option contracts as part of its ongoing financial planning. They pay extra attention to possible risks when a big part of your pay comes from company stock, connecting job security and overall net worth to how well the company is doing.

Gen X: VCML understands the unique challenges faced by Gen X clients. From saving for college, upsizing a home, managing family transitions, and investing inheritances, to consolidating and rebalancing 401(k) accounts, we provide support for a variety of financial goals. Utilizing the investment management platform, VCML aims to help you build wealth, ensuring you're prepared for whatever life throws your way. The goal is to strike a balance between enjoying your best life today and strategically planning for the future.

Nike Employees: VCML provides guidance on your annual stock award elections and advises on when to exercise options, sell RSUs, and manage ESPP shares. Taking into account your unique circumstances, especially in relation to tax liability and short and long-term financial goals, VCML tries to offer personalized advice.

Nonprofits: The objective is to assist you in responsibly managing your resources. We aim to craft a portfolio optimized for risk, aligning with both your funding requirements and organizational values. For nonprofits interested, VCML offers a socially and environmentally responsible investment strategy with customization options specific to your investment policy.

People Experiencing Life Transitions: VCML is here to support you through life's significant moments and transitions. Whether you're getting married, starting a family, changing careers, going through a divorce, blending families, selling a business, approaching retirement, facing a medical diagnosis, dealing with the passing of a loved one, inheriting wealth, or navigating the complexities of the next generation, VCML provides personalized financial guidance. VCML tries to help you make informed decisions and navigate the financial aspects of life's milestones with confidence and peace of mind.

Professionals: VCML has expertise ininvestment management and is a CERTIFIED FINANCIAL PLANNER™ professional. VCML not only understands the technical aspects of your investment portfolio in relation to your overall financial situation but also considers the emotional and quality-of-life aspects.

Women Seeking Female Financial Advisors: VCML gets that some women may feel confused or overwhelmed about investing, maybe feeling left behind due to things like unequal pay, career breaks for family responsibilities, or losing a partner. As fellow women, VCML understands and wants to help break down the barriers that many women face in getting smart investment management and financial planning. The main focus is listening to you. VCML wants to take the time to understand who you are, what you love, and how your money fits into your life. As your partners, the goal is to help you see what we see: you have the confidence to be part of the financial decisions at the table.

How to Open an Account？

Opening an account with VCML is a straightforward process that can be completed online in a matter of minutes. Here's a breakdown of the steps involved:

1. Visit the VCML website and click “Open Account.”

1. Fill out the online application form: The form will request your personal information Be sure to have your identification documents (passport or ID card) and proof of address handy for uploading.

2. Fund your account: VCML offers various deposit methods, including bank transfers, credit/debit cards, and e-wallets. Choose your preferred method and follow the instructions to complete the deposit.

3. Verify your account: Once your account is funded, you'll need to verify your identity and address. This typically involves submitting scanned copies of your ID documents and proof of address.

4. Start trading: Once your account is verified, you're ready to explore the VCML trading platform and start making trades.

Fee Structure

VCML (Vision Capital) employs a straightforward fee structure based on a quarterly fee determined as a percentage of managed assets. For Equity and Balanced Portfolios, the annual fee ranges from 1.00% on the first $1,000,000 to 0.50% on amounts over $10,000,000, with a minimum fee of $1,250 per quarter.

Clients invested solely in Fixed-Income Securities follow a separate fee schedule, starting at 0.50% annually on the first $1,000,000 and decreasing for larger amounts, with a minimum fee of $625 per quarter. Notably, this schedule applies when ALL accounts hold only fixed-income investments.

VCML extends an Eleemosynary discount of 10 basis points and offers a reduced fee option for investment management only through Vision Vaxa Dynamic Portfolios, starting at 0.50% annually.

Fee Structure	Annual Fee	Minimum Fee (Per Quarter)
Equity and Balanced Portfolios	1.00% on first $1,000,000	$1,250
	0.75% on next $4,000,000
	0.60% on next $5,000,000
	0.50% on amounts over $10,000,000
Fixed-Income Securities Only	0.50% on first $1,000,000	$625
	0.375% on next $4,000,000
	0.30% on next $5,000,000
	0.25% on amounts over $10,000,000

Services

1. Strategic Asset Allocation: VCML offers astute asset allocation strategies with an active and dynamic approach. Your investment portfolio is carefully tailored to proactively navigate market risks and respond to changing conditions.

2. Customized Investment Strategies: Enjoy personalized investment approaches with VCML's active individual equity and fixed-income strategies. These strategies are applied judiciously to optimize your investment outcomes.

3. Service Excellence by a Dedicated Team: Experience top-notch service with VCML's dedicated primary relationship team. Supported by the Vision Capital team, we ensure comprehensive and personalized support to meet your unique service needs.

4. Financial Serenity: Beyond investments, VCML provides financial planning to define your financial goals and guide you toward achieving enduring peace of mind.

Investment Management

Financial Planning: VCML offers a transparent grasp of your financial landscape, encompassing assessments of savings and elucidations on 529 college savings plans. Smoothly navigate the transition into retirement with VCML's support, addressing aspects such as lifestyle planning, emotional readiness, and pragmatic downsizing advice. Collaborating with legal professionals, VCML ensures secure estate planning. Simplifying the intricacies of cash flow management, VCML takes into account factors like market returns, health events, and current spending patterns. Personal Investing: The role is to grasp who you are and tailor your investment strategy to meet both your short and long-term needs, aligning with your comfort with risk. Recognizing that one size does not fit all, VCML's goal is to build a personalized portfolio that complements your unique profile, steering clear of a standardized approach. With VCML, personal investing is about creating a financial strategy that resonates with who you are, avoiding a one-size-fits-all model.

Nonprofit Investing: VCML is here to help to manage your resources responsibly. It specializes in creating a portfolio that balances risk, supports your funding needs, and aligns with your organization's values. For nonprofits interested in socially and environmentally responsible investments, VCML offers customization based on your investment policy.

Customer Support

1. Phone Support: Reach out to VCML's customer support team effortlessly through VCML's phone lines at (503) 221.5656 or toll-free at (800) 707.5335. Experience prompt and personalized assistance to address your queries or concerns.

2. Email Assistance: Connect with VCML's support team via email at info@visioncapital.com.bd. Whether you have detailed inquiries or need assistance, VCML is ready to provide thorough and timely responses, ensuring your needs are met.

3. Ticket System: For streamlined issue resolution, VCML offers a ticket system. Submit your requests or concerns through this efficient platform, allowing VCML to track, prioritize, and address your inquiries with precision and care. Experience an organized support process with VCML.

Educational Resources

1. In-Office Lunch and Learns: Elevate your financial understanding during VCML's in-office Lunch and Learns. Conveniently scheduled, these sessions provide an interactive opportunity to enrich your knowledge over lunch. Stay abreast of relevant financial topics and empower yourself with insights that matter.

2. Insightful Blog Posts: Dive into VCML's collection of insightful blog posts crafted by financial experts. Covering different topics, these posts offer practical tips, market updates, and valuable insights to enhance your grasp of wealth management concepts.

3. Women-Centric Events: Engage in VCML's specialized events designed to empower women in their financial journeys. Tailored to address unique considerations, these events create a supportive environment for women to gain knowledge and tools essential for financial success. Join a community that fosters financial literacy within an inclusive setting.

Conclusion

In sum, VCML has its strengths, like serving multiple customer bases, offering comprehensive financial services, and emphasizing financial education, especially for women. However, there are concerns, mainly due to the lack of regulatory oversight and a relatively short operating history. Operating in an unregulated environment in Bangladesh adds uncertainties. While educational resources are rich, investment management options may be limited. Trust-building might be a challenge due to the unregulated status.

Potential clients should weigh these pros and cons carefully based on their financial goals and comfort levels before choosing VCML for financial services.

FAQs

Q: Does VCML help clients with budgeting？

A: Yes, VCML can help you with budgeting in the context of your financial plan so that you can both spend and save confidently in your long-term financial picture.

Q: Does VCML help with life transitions？

Yes, VCML specializes in helping clients through life transitions such as marriage, divorce, losing a loved one, inheriting wealth, approaching retirement, or selling a business. (link to life transitions page)

Q: Why do you need a voided check to set up a bank link？

A: Custodians (like Schwab or Fidelity) need a voided check in order to confirm that your bank account‘s number and registration match what we put on their bank linking form. If you don’t have checks, custodians will also accept a deposit slip (or preprinted direct deposit form) from your bank or a bank account statement that shows your full account number and account registration.

Q: Where will my accounts be held？

A: As a client of VCML, your assets will be held at an independent third-party custodian, either Fidelity Investments or Charles Schwab.

Q: Who would I work with as a client at Vision Capital？

A: Each full-service client is assigned a service team that includes a primary Client Relationship Manager and Client Service Associate who are supported by the full client service team and the investment and operations/trading team.

Q: Can I just send you the signature page of the form back？ Why do I have to return the whole form？

A: Custodians require all of the pages to ensure that clients know what they are signing, so uniformity of the pages is key. If the signature page does not appear to match the other pages of the form (due to different printers or scanners used), a custodian may decline to process it and require a fresh signature.