Timely guidance from financial advisors
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In this week’s article, I take a look at a portfolio I reallocated several months ago to ask the pointed question: “was it the right decision?”. At the time, I had discussed with the client (inherited from another Financial Advisory firm in Singapore) the basis for my proposal to sell him out of funds he was in; due to poor past
I recently inherited a client from another Financial Advisory firm in Singapore. After being assessed as having a “Balanced” risk profile, the client’s pension had been fully allocated in January 2017 to a “Balanced” fund of funds.
For many UK nationals, expats included, residential buy-to-let has been a default investment strategy for many years. The prospect of capital gains and a steady stream of income from a reassuringly “bricks and mortar” asset have compelled many to enter the market as private landlords.
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
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
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.
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