Preserving Purchasing Power for a Tanzanian HNWI Family

The family had built meaningful wealth in Tanzania, but most liquidity was sitting in cash and short term deposits. The main concern was simple: the money looked stable on paper, yet their ability to pay for school fees, healthcare, travel, and long term goals was quietly shrinking each year as prices rose and their lifestyle needs became more global. They wanted a plan that would protect spending power, keep access to liquidity, and reduce anxiety during market swings.

Hament implemented a goals based structure designed to protect real spending power while keeping the plan easy to understand and manage.

• Defined spending goals and time horizons
  We mapped the family’s expected spending into three buckets: near term needs, medium term commitments, and long term legacy goals. Each bucket had a clear purpose and target size.

• Built a liquidity ladder for certainty
  Instead of keeping one large cash balance, we structured a ladder using safer instruments and staggered maturities. This kept money available when needed and reduced the risk of being forced to sell investments during a bad market.

• Introduced foreign exposure alignment for future liabilities
  For expenses likely to be paid outside Tanzania or priced globally, we aligned part of the portfolio to foreign exposure to reduce the risk that purchasing power drops when costs rise.

• Designed a conservative global portfolio for long term growth
  For the long term bucket, we built a diversified portfolio aimed at steady growth after inflation, with risk controls and a clear rebalancing rule. The focus was consistency, not chasing the best performing asset.

• Put rules in writing
  We documented a simple family investment policy that covered the target mix, when to rebalance, how much risk to take, and what to do during market stress. This helped prevent emotional decisions.

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