Under the discretionary managed program, the client requests the Bank to manage their portfolio at the Bank's discretion using a combination of the various products and programs we offer. This process is very attractive to those clients who do not have the time or desire to manage their own portfolio. However, we welcome client input into the portfolio management process. The Bank requires a minimum account balance of US$100,000 for equity and US$50,000 for fixed income investment management. Smaller balances of US$10,000 are accepted where a client wants to manage their own investments, but generally this involves access to fewer bank services.