Professional Indemnity insurance is a financial lines product, which is part of the suite of the general insurance products available on the market. A typical professional indemnity policy will cover your liability arising from a negligent act, error or omission committed by you. Many policies now also cover your civil liability. Being a financial lines […]

Investing is a deeply personal journey, shaped by each individual’s financial goals and risk tolerance. In the quest for financial gains, many investors are drawn to high-income strategies for their immediate cash flow. Yet, this focus may not be optimal for long-term growth. Income portfolios, rich in bonds and dividend yielding stocks, offer consistent cash […]

A Discretionary Fund Manager or ‘DFM’ exercises his professional discretion to buy and sell investments on your behalf. A discretionary management service can deliver highly-tailored investment portfolios based upon your individual circumstances and objectives. Discretionary Fund Managers are able to: Discretionary Fund Management generally has an individual investment manager or committee responsible for investment decisions. The […]

What is dollar cost averaging? Dollar cost averaging is investing a fixed amount of money into a particular investment at regular intervals, typically monthly or quarterly. This strategy, with its potential to mitigate timing risk, is most often employed for riskier investments such as stocks and mutual funds (as opposed to bonds or real estate). The […]

Asset allocation is the collective percentage of investable capital ‘allocated’ to each ‘asset’ class. The conventional ‘60/40’ stock and bond portfolio showcases a traditional asset allocation model. Namely, 60% of investable capital is allocated to stocks while the remaining 40% of investable capital is allocated to bonds. Asset Classes Traditional asset classes fall into two […]

An exchange-traded fund (ETF) is a type of investment fund that is listed on a stock exchange. ETFs are passively managed: they aim to track the movement of a particular index and do not try to outperform the index that they intend to replicate. The idea is to match the performance of the broader market. […]

Everything costs money and that includes your offshore regular savings plan. Most regular savings products are charged generically the same, but the specific charges are dressed up differently so it becomes almost impossible to compare one plan to another. And remember, you cannot depend on the product's illustration system to show you which one - […]

You may have a very idealistic vision of retirement - doing all of the things that you never seem to have time to do now. But how do you pursue that vision? The State pension may be around when you retire, but the benefit that you get from it may not provide enough income for […]

Have a look at this to start off: Age % Chance of Reaching 85 % Chance of Reaching 90 % Chance of Reaching 100 20 72 55 17 25 71 53 16 30 70 52 14 35 68 50 13 40 67 49 12 45 65 46 10 50 63 44 9 55 63 43 […]

With investing, there’s always a risk that you may not get back what you invest. But do the higher potential returns make it worth it? If there’s a secret to investing, it’s simply getting to grips with the risks – and the potential rewards – involved. You can calculate how much risk you’re prepared to […]