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Portfolio Analysis Basics #3 - Focus on "Volatility"​

Portfolio Analysis Basics #3 – Focus on “Volatility”​

by gfcadvice

The word “volatility” has inherently negative connotations for most people, maybe with the exception of the adrenaline-seeking few who enjoy the thrill of the rollercoaster ride. However, there is absolutely an upside to be considered with volatility; the emotional “high” achieved via the rollercoaster ride as compared

Portfolio Analysis Basics #2 - Focus on "Yield"

Portfolio Analysis Basics #2 – Focus on “Yield”

by gfcadvice

There are classically two differing objectives when constructing a portfolio: to achieve “growth” or to achieve “income” (which is simply another word for “Yield”). These objectives do not have to be mutually exclusive; a financial adviser can (and, in my opinion, absolutely should) achieve both, with the relative degree of each

Portfolio Analysis Basics #1 - Focus on "TER"​ (Total Expense Ratio)

Portfolio Analysis Basics #1 – Focus on “TER”​ (Total Expense Ratio)

by gfcadvice

A favourite saying of mine (among many!) is that you can “always guarantee charges, but never guarantee returns”, so it clearly makes sense to minimise those charges. Not doing so represents a lost opportunity to avoid paddling upstream in an unnecessarily leaky boat.

UK Expats - Are you getting the returns you deserve?

UK Expats – Are you getting the returns you deserve?

by gfcadvice

If you transferred your UK pension(s) into a QROPS (Qualifying Recognised Overseas Pension Scheme) or into a SIPP (Self-Invested Personal Pension) recently, one of the motivations may have been to gain flexibility around how your cash is invested.

Are You Financially Independent?

Are You Financially Independent?

by gfcadvice

Many dream of becoming financially independent but it rarely happens overnight.You can increase your chances of breaking the shackles of “working to live” if you implement these five money habits:

Protection – why do you need it?

Protection – why do you need it?

by gfcadvice

The two most critical types of personal insurance I discuss with clients are life cover and critical illness cover. The former pays a lump sum to named beneficiaries on your death, and the latter pays a single lump sum or multiple lump sums to you if you experience one of the standard list of critical illnesses (as defined by the Life Insurance Association in Singapore).

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