OUR SERVICES > INVESTMENT & SAVINGS ADVICE
Investment & Savings Advice
In financial markets, higher returns are associated with higher risk or volatility. Now more than ever, there is no such thing as a risk-free product. Instead, look for diversification and appropriate investment to enhance your financial security and get the best return consistent with the risk level you are comfortable with. We will help you navigate the complex minefield of investments.
Invest in knowledge and advice and get the best interest.
The process starts with finding out about you and your investment goals: how long you want to invest for, what is the money required for, have you provided for short / medium / long term financial needs, etc.
Your capacity to withstand risk is then evaluated. The evaluation takes into account your income, expenses, assets and liabilities, and your flexibility. There is also an evaluation of your own risk preference, which can be done in discussion with us or through the use of psychometric tools. Psychometric tools are short questionnaires which seek to give a more scientific basis for assessing your risk.
When we are giving Investment Advice to our clients we need to obtain the answers to the following questions:
What is the aim of the investment?
Are you saving for retirement?
Are you looking to provide for your children's education?
Are you looking to provide for a potential future expense?
What time frame are you looking to invest for?
When will you need the money?
What amount of risk are you comfortable with?
Would you like a Guarantee?
Would you like a potential bonus every year?
Would you like to participate in the Stock Market?
How much are you looking to invest?
Is the amount a once off Lump Sum or will it be regular savings?
What percentage of your total savings are you willing to invest?