Retirement planning is an essential aspect of financial management that everyone has to address. It involves making financial decisions and taking actions that will ensure a comfortable and financially secure retirement. When it comes to retirement planning, starting early is crucial. With longer life expectancies and the rising costs of living, it is essential to […]

An Initial Period (IP) is a period at the beginning of a regular savings contract. The fund units bought during the IP are charged throughout the term of the plan; and at a higher level than charges levied on fund units bought after the IP is complete. These higher-charged fund units are the major source […]

What can the average person do to not only safeguard their wealth, but also thrive through it and into better times when markets are depressed or even declining? Perspective While the natural instinct is to focus on the market being down by more than 20% from the recent peak, looking at history will certainly help […]

Debt is a significant challenge that many people face. It creates various negative impacts on individuals financial, emotional, and overall well-being. To get out of debt, you need to understand how you got into it in the first place. Here are some reasons: 1. Poor Financial Management: Mismanaging finances, overspending, and not budgeting properly can […]

Passive Investing The popularity of passive funds is growing, attracting investors with the promise of dramatically lower costs than actively managed alternatives. Actively managed funds still dominate the world of investing but the popularity of passive investments is rising fast. Latest figures from The Investment Association show that the amount of money invested in computer-run […]

The offshore space is littered with ‘orphan clients’. But what is an orphan client? Aviva, the UK insurer, says it is someone who hasn’t had contact with an Advisor for five years. That, I believe, is too restrictive. There are any number of African offshore clients who can be properly called orphan clients, and the […]

Financial planning helps you determine your short and long-term financial goals and create a balanced plan to meet those goals. Here are nine powerful reasons why financial planning – with the help of an Adviser – will get you where you want to be. Cash Flow: Increase cash flows by carefully monitoring your spending patterns […]

It’s fair to say investing has an image problem. If you’ve never invested before, you may think you need to be an expert or have a lot of money. Yet when you start to separate the myths from reality, investing is now more accessible than ever. Myth 1: It’s too risky Yes, there are risks […]

When it comes to preparing for retirement, many of us know that we could be doing more. But now a new report has highlighted the extent of that shortcoming, with the majority of savers set to miss their retirement goals by at least 50%. Standard Chartered, in its “Wealth Expectancy Report,” found that 56% of […]

For its Muslim clients, Caravel Partners can offer investment into a wakalah contract in which the investment itself is based in the UK and offers USD/GBP profits. But what IS a wakalah investment? The word “wakalah” has several meanings including looking after, delegation, authorization, preservation and performing a task on behalf of other. Technically, wakalah refers to […]