investment strategy
When purchasing a life annuity, the insurer assumes full responsibility for paying the annuitant’s income. The annuitant has no control or visibility over how the capital is invested or what returns the insurer earns.
Building wealth is a gradual process that requires time, strategic use of compound interest, and consistency. Effective investment planning, a highly technical and regulated area of financial planning, involves several interrelated components such as estate structuring, tax planning, risk management,
key function of a multi-manager is to research and analyse the various funds offered by the different asset managers, and then build a portfolio in line with a specific investment mandate. A multi-manager does not handle invested funds but rather
Being notoriously poor market timers, many investors compromise their investment outcomes because they are not invested when markets start to rebound, only getting back into the markets once the bulk of the gains have been made. From our experience, investors
If you’re fit and healthy, you may want to remain in the family home for longer. You may also not feel ready to enter into a retirement home or village while you are still enjoying good health, which is understandable.
Stay updated on market news and developments but resist the urge to overreact to short-term fluctuations. Avoid making impulsive decisions based on emotions or sensational headlines. A calm and rational approach to market information is essential for sound decision-making.
In the absence of an appointed multi-manager, a financial advisor and client would need to meet on at least an annual basis to select underlying funds, make changes to asset allocation, and re-balance the portfolio.
If you are invested directly offshore, it is unlikely that you will need a foreign Will for these assets. However, if you have other assets offshore, such as fixed property or business interests, it may be necessary to seek estate
When leaving employment before formal retirement, preserving your accumulated retirement fund benefits in a preservation fund structure may be an attractive option although it is important to understand the other available options.
Legislation permits that the owner of a living annuity can draw down between 2.5% and 17.5% of the value of his living annuity every year, with the option to review the draw down rate at the living annuity’s anniversary. Investors
