Hedge funds are now available to the retail market at entry levels far below their original UHNW (Ultra High Net Worth) clientele, even being available via a $200 a month offshore savings plan. A hedge fund is an investment in which a fund manager invests money with the twin goals of maximizing returns and minimizing […]

Introduction Funds are collective investments, where your and other investors’ money is pooled together and spread across a wide range of underlying investments, helping you spread your overall risk. The value of investments can fall as well as rise and you could get back less than you invest. From a UK perspective, the main types […]

A dividend is a slice of a company’s post-tax profits that is ‘divided up’ among some or all of its shareholders as a reward for investing in them. The company decides the amount and form of dividends paid, which can be in cash or additional shares. Why do companies pay dividends? Dividends allow companies to […]

If you’re a diligent saver, you want to feel financially protected against an uncertain future. Yet despite recent interest rate rises, high inflation continues to create economic uncertainty. So, what is inflation, and what can you do to reduce its impact on your money? Inflation is the increase in the price of something over time. […]

General investors are becoming more aware of some of the ratios used to measure investment risk, return on an investment and its return adjusted for the risk undertaken. Before selecting an investment asset, investors should seek the risk-adjusted return and not just the simple return. The Sharpe ratio and the Sortino ratio are both risk-adjusted […]

Diversification is a fundamental principle in the investment world that helps investors minimize risk while maximizing potential returns. Definition Diversification is the process of spreading your investments across a variety of assets, industries, and geographical regions to reduce the overall risk of your investment portfolio. By investing in a diverse range of assets, you are […]

As an offshore financial advisory in Zambia, we need to meet the formal requirements of various bodies: Apart from these, there are international agencies and statutes that inform our work in the wider sense to which we are also answerable: the USA’s FATCA Act, various Black Lists (countries, individuals), PEP (Politically Exposed Persons) rules and […]

Your staff There’s an old saying that “prevention is better than cure”. This is particularly true with cybercrime, given the serious impact a successful attack can have on your business. So, while technology may be your first line of defence, your own employees are a second barrier to criminals. Human intelligence, and intuition, are often […]

Structured notes are complex investment products with returns linked to an underlying asset. They are often marketed based on high coupon yields, downside protection, or some combination. The payoffs of structured notes can seem like a free lunch, but banks are not selling them to you because they’re your friend. When you’re having dinner with […]

Think about your future goals and when you want to achieve these. Aim to invest for the long term and keep focused on your investment plan. Take time to understand what you're investing in before you commit so that you're aware of how your investment could perform over time. Understand that your investment will go […]