What Insurance Do I Need?
When it comes to financial planning, different types of insurance serve different purposes. While critical illness insurance can be valuable, the importance of each insurance type may vary depending on a clients individual circumstances and priorities. Here are a few key insurance types commonly considered in financial planning: Whether clients need critical illness insurance depends […]
Preparing for a Liquidity Event
What is a Liquidity Event? A liquidity event is a way in which investors or shareholders can convert their investments or shares into cash. This can happen through an initial public offering (IPO), a merger or acquisition (M&A), or a sale of the company to a strategic buyer. Investors in private companies such as venture […]
Deconstructing structured products
Structured products are intricate financial instruments. They are curated by investment banks to offer investors the potential to access specific risk-return traits that are typically not accessible through standard, individual financial assets. Ultimately, these are derivative-based products, meaning options, futures, swaps and other complex instruments are pieced together to imitate the returns of a bespoke […]
Saving vs investing: the cost of inaction
Savings and investing are two wealth-building concepts that are required for a financially secure future. While they’re often conflated, the two are very different. The main thing that separates them is risk: savings are a way to hold onto your assets with minimal risk, whilst investing strives for more growth in exchange for taking on […]
5 traits of our most successful clients
Change and uncertainty is, ironically, the only constant through time, and with so many distractions, it can be challenging to find a routine. However, there is one thing that successful people rely on to carry them through. That is discipline. As the saying goes, “discipline will take you places motivation can’t”. Being self-disciplined means having good […]
Why succession planning is not just for the wealthy
Much like most of the public has yet to create a will, most entrepreneurs have no succession plan in place. This might be because they have no family or because they don’t know where to start. But, often, it comes from the perception that succession planning is reserved only for high-net-worth individuals. The challenges of […]
The importance of financial well-being for employee productivity
When the rising use of food banks and personal debt dominates the news, it may be easy to forget that white-collar workers also endure financial stress. When around 25-40% of employees from wealthy countries like Switzerland, Singapore, and the UK live paycheck to paycheck, it’s clear that financial stress isn’t just a poverty issue. This stress carries over into their […]
Is investing during a recession safe?
The consensus among economists is that 2023 will be a year of high inflation, zero economic growth, and ongoing supply-chain issues. The key question for investors is how, if at all, do you react to these forecasts and are there any opportunities? Markets are not the economy To clarify a common misconception, the high chance of recession […]
How long does $1 million last in retirement?
Having a pot of $1 million can provide a significant amount of financial security during retirement, but the exact amount of time it can last will depend on a variety of factors such as your lifestyle, spending habits, and investment returns. According to conventional wisdom, you should prepare to live off 4% of your nest […]
Your year-end wealth planning checklist for the holiday season
As the year comes to a close, there are many to-do’s on our minds. Holiday shopping, travel, and making New Year’s plans are all essential parts of the season. But it’s also critical to take a moment to make sure that you’re still on track towards achieving your financial goals. There is no better time […]
