by clicking the arrows at the side of the page, or by using the toolbar.
by clicking anywhere on the page.
by dragging the page around when zoomed in.
by clicking anywhere on the page when zoomed in.
web sites or send emails by clicking on hyperlinks.
Email this page to a friend
Search this issue
Index - jump to page or section
Archive - view past issues
Expat Investor : April 2008
PORTFOLIO MANAGEMENT expatinvestor.com 8 EXPAT INVESTOR ? April 2008 1. Know yourself as an investor. Begin by drawing up a detailed plan of your financial objectives. What do you want to do with your money? By identifying goals, investors can then match these to relevant investments. 2. Maintain a financial plan. Once drawn up, a financial plan will only prove effective if it is regularly reviewed. Under this review check that the plan you have in place is delivering an appropriate balance between risk and return. 3. The four main asset classes are equities, bonds, property and cash deposits. Investors will find it useful to read up about these classes and their fundamental characteristics. Your researches will ensure that you hold the most appropriate mix sectoral and stock spread all of which should ensure you will not come a cropper to individual influences. 5. Timing is critical for investment success. It’s not just a matter of when you buy, but also when you sell. As a broad rule of thumb, the longer your investment horizon (that is the longer you can afford to have your money tied up), the more your portfolio should be able to absorb elements of risk. 6. Check out the tax implications of any investment decision. Although advisers do not suggest that investment decisions should be taken solely on tax considerations, tax liabilities can have a large impact on the performance of a portfolio. An understanding of the taxation implications of any of asset classes in your portfolio – a mix that matches your risk appetite and will ensure you achieve your financial objectives. 4. Work out your risk tolerance. Risk is a necessary element of investment and one which all investors must build into their investment strategy. Investors must always consider the downside to any investment opportunity as it is presented to them, as well as the upside. Worthwhile decisions can only be made when the risk-reward ratio has been worked out. Risk is very often best managed through diversification. The old sally, don’t put all your eggs in one basket, is apt for investors. Ensure your portfolio encompasses a balanced approach in terms of geographic, Fast Facts 44003 Mortgage Solutions! And we offer the reassurance of UK regulated advice, so you know you are in safe hands. Visit WWW.Offshoreonline.ORG. Your home may be repossessed if you do not keep up repayments on it. Our fee for mortgage advice depends upon your circumstances. We estimate it will be £335. Click on our mortgage quote facility on WWW.Offshoreonline.ORG. Offshoreonline.ORG's expatriate fast track mortgage service means not only a fast quote but also a fast offer emailed directly to you. We can help you if you are looking to buy a new home in the UK, remortgage your old to reduce borrowing costs or if you want to start a diversified buy to let portfolio in the UK. We are not tied to any single lender, so we’ll search the market for you to find the best overall deal. Web: WWW.Offshoreonline.ORG, +44 (0)1364 72393 Fax +44 (0) 20 8874 2119, Email: info@offshoreonline.ORG Offshoreonline.ORG is the web site of HR Independent Financial Services Ltd, an appointed representative of Sesame Limited, which is Authorised and regulated by the Financial Services authority. The FSA do not regulate some forms of mortgage . Offshoreonline.ORG investment should, therefore, be factored into every decision making process. Remember to consider tax liabilities due in the of successful bespoke wealth management solutions. Our core process With an investment philosophy that “No one investment manager performs well in all markets or asset types”, a multi-manager ‘best of breed’ approach is adopted towards both equity and hedge fund investment in order to deliver superior long-term risk adjusted returns. The Asset Management team manages the highly rated Standard Bank Strategist Multi-Manager Fund range that includes the Global Equity and Alternative Strategies fund classes. These ‘best of breed’ funds are open to investors with a minimum of £25,000 and are utilised, where appropriate, in managed portfolios which attract a minimum annual fee of £2,500. Last, but not least, the team and the bespoke range of portfolio services are supported by sophisticated administration systems, which include the provision of Portfolio Online, an internet service that enables the modern and increasingly global client to stay in touch with financial developments. Continued from page 7 Resolutions for successful investing Ashburton 44150 Rensburg Sheppards 44152 Royal Bank of Canada (CI) 44153 Standard Bank 44154 For more information just enter the above numbers on the Reader Reply Service coupon on page 20 or visit www.expatin- vestor.com FAST FACTS country of residence as well as those which might fall due when returning to the UK. Plan ahead by taking expert tax advice. 7. Past performance is no indication of future outcome. The strategy of many unfortunate investors using the past as an indication of the future is not one to follow. When choosing investments which have generated strong returns don’t automatically assume such momentum will continue. Investigate all the factors which have driven this growth and seek expert opinion as to whether those factors are sustainable over the longer term.
May June 2008