Protect and grow family wealth through investment time-horizons
For family offices looking to protect and grow family wealth, a time-horizons’ tiered approach to wealth management is paramount. For those charged with financial decision making, these time projections are arguably the most sensible strategy to preserve, grow and transfer wealth within a family context. We look at how pine nuts, pine trees and oak trees can secure wealth for future generations.
Investments Updated on April 7, 2022

In a 2018 report, UBS outlined how a purpose-driven approach to wealth management could be achieved through the 3 L’s: Liquidity, Longevity, and Legacy. At its core, the 3L strategy is a blueprint for families who want to understand how they can better allocate all of their assets and liabilities to meet their objectives. But how might we turn these financial terms into something more visionary, so that the next-generation feel inspired to take charge of this future?

The answer could well be in framing through a paradigm of growth and legacy, borrowing metaphors from nature. We call this approach PPO – or planting pine nuts, pine trees, and oak trees. Pine nuts are the nutritional stock (savings) for immediate and near-term needs. Pine trees, are what you plant (invest) with the expectation of producing a revenue stream during your lifetime. Finally, the oak tree, what you plant (invest) for posterity, for the benefit of your children, grandchildren, further generations to come, and society at large.

Attuned with the family’s balance sheet and life goals, the pine nuts, pine trees, and oak trees approach – PPO for short – flips the typical financial decision-making journey. It is often the case that the mix of asset classes and investment products becomes the inescapable and obvious consequence of the family choices about lifestyle, tranquility, and legacy in different brackets of the future. This may be counterintuitive and unconventional, but proves right time and again.

About the Authors

Emília Vieira

Emília Vieira

Financial markets & portfolio management

Emilia works in financial markets & portfolio management as Founder and CEO of Casa de Investimentos, where she helps private wealth owners take a long-term investment approach and intergenerational focus.

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Nuno Lopes Gama

Nuno Lopes Gama

Financial advisory & wealth management

Nuno works in Financial Advisory & Wealth Management as Executive Board Member of Casa de Investimentos, he helps to nurture optimistic and patient investors.

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Simple solutions for complex times.