Personalised Wealth Management
Wealth Management is a highly professional service that combines financial planning and investment advice. It is carefully built through planning with professional help to grow and preserve the capital invested. The client’s wealth will be preserved according to his or her financial situation, goals and comfort level with risks.
Fixed-Income
Many conservative investors choose this instrument as a fixed return at the maturity of the security whereby investors will earn what they are expecting. The rate of return is fixed when the security is purchased and the investors know exactly how much he or she will earn. Thus, the rates of return are lower than variable income securities because of its certainty.
Corporate Bonds, Government bonds, preferred stocks with a stated dividend rate and certificate of deposit are among some of the fixed-income instrument available.
Equities
Equities are attractive to more aggressive and experienced investors that are willing to earn higher returns being totally aware of the risks involved in each investment. These kind of investments range from stocks issued by companies, bonds with variable rates, ETFs (Exchanged Traded Funds).
Financial Planning
Our company should be well-informed and totally aware of the goals and financial circumstances encountered by our clients. The key that unlocks the door to wealth is an effective and followed plan. Our highly qualified personnel shall give our clients the tools and expertise to reach their financial goals without putting their lifestyle at peril. Your plan must be consistent with your financial goals, time frame, and risk profile.
What do you need to do?
- Analyse your assets and liabilities
- Determine how your timeframe and risk tolerance
- Determine how you want to allocate your assets: CDs, Money Market, Fixed Annuities, Fixed Equity Index Annuities, Individual Stocks, Bonds.
- Target specific investments that fit your willingness to take on risk
- Develop tax and income recognition strategies
- Develop strategies to provide liquidity and access to funds as needed
Our company needs to have a current view of the whole picture and thus, create a comprehensive financial plan that works for each and every client, and commit itself to carrying out that plan.
Our Advice to Asset Preservation
Diversity
Diversification involves periodic check-ups and rebalancing that not only reduce risk but also reset your assets in order to reach the expected and appropriate level chosen by the client. Investing involves the risk of loss. The knowledgeable investor knows to never keep all of his or her eggs in one basket.
Balance Risk and Reward
Choosing the right asset allocation can help you balance risk and reward in your investments. Know your risk tolerance ranging from Aggressive-model, Moderate-model or Conservative model will enable you to decide which instrument and timeframe you are expecting to invest. Many investors do not feel comfortable with what they currently have at risk. Divide your investments so that you can take advantage of higher return vehicles, while keeping a fixed account in reserve.
Bear in mind that if you want to pursue higher returns you should accept higher returns. Also, take into account that the long-term investing does not guarantee that you will meet your investment objectives.
Reduce Interest Rate Risk
Interest Rates changes can work for you no matter which way they move. When rates increase, your shorter-term money is soon available to reinvest at higher rates. When rates decrease, your longer-term money grows at rates higher than current rates.
Take Advantage of Compounding
Numbers really do add up and compounding allows them to add up even faster. This happens when you re-invest your earnings, interest, or dividends, rather than taking them in cash. Now you are earning money on your initial investment and the accumulated earnings.
