The Premier Diversified Property Fund invests in commercial properties in the United Kingdom. It was only offered to Accredited Investors. The Premier Diversified Property Fund was launched in 2002 and had a whopping return of about cumulatively 45% for 5 years. Its volatility was almost as low as risk-free. I, like many financial advisers, were approached to market this … [Read more...]
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Currency effects of ETFs and Unit trusts (Why this ETF goes up when the stock market crashed after Brexit?)
I always get this questions very frequently from my clients. I ended up explaining the story over and over again until I decided to write this article to clear the misconception once and for all. The questions that are always asked are: Since this ETF/Unit trusts is in foreign currency, wouldn’t I be exposed to the currency risk of that currency? I dislike Sterling. So I am not … [Read more...]
New Earth Solutions Recycling Facilities Fund, aka ‘Rubbish Fund’
The New Earth Fund invests in recycling facilities in the United Kingdom. We IFA gave it the nickname the “Rubbish Fund” and it is only for ‘Accredited Investors’. Like many investments marketed to Accredited Investors, it represents a nightmare. The historical performance was impressive delivering 68.5% cumulative return since launch on July 2008 to March 2015. Check out the performance below … [Read more...]
Is Crowdfunding Investments Worth the Risk?
MAS announced that crowd funding platforms will be regulated. Such platforms include Funding Societies, MoolahSense and Capital Match. Funding Societies, MoolahSense and Capital Match are platforms that act as the middleman helping small and medium enterprise companies to raise capital from individual investors. Even listed companies have jumped on board to raise capital using such crowd … [Read more...]
What is Accredited investor?
Accredited investor means an individual: whose net personal assets exceed in value $2 million (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe in place of the first amount; or whose income in the preceding 12 months is not less than $300,000 (or its equivalent in a foreign currency) or such other amount as the Authority may prescribe in place of … [Read more...]
Case study of a typical 2nd generation high networth portfolio
Sometime ago I met an individual who wanted to consult me on his investment portfolio. One of the bond that he bought from a bank had defaulted. He was concerned that more bonds in his portfolio will default. The bond that defaulted consist of only a negligible portion of his portfolio (approximately less than 1.5%). Mathematically there is no cause of concern. But upon more fact finding, I … [Read more...]
Tips in selecting a Universal Life
Stroll down to the end of this page if you are looking for the Universal Life Calculator I created. Universal Life products are often marketed to the high networth individuals. It appears to be very popular in Singapore and Hong Kong. I always get enquires from individuals in these two countries seeking my second opinion. 1. How to get proper documentation on Universal Life? Many financial … [Read more...]
Why private banking clients have no asset allocation skills?
A UBS survey among high networth individuals in Singapore and Hong Kong revealed interesting findings: 62% of investors admitted that they did not know how much to save for retirement Only 1% claimed to have begun to plan for retirement Asset allocation is the same regardless of the difference phases of retirement planning. Asset allocation is something like: 60% in stocks 40% in … [Read more...]
Majority lacks a written comprehensive financial plan, says FPSB
FPSB recently conducted a global survey among 19 markets. A total of 19,092 adults took part. Among those surveyed in Singapore, it was found that: Only 1/3 have a written comprehensive financial plan. The top two priorities are: owning your own home (60%) and free from debt (58%). Only 4% were willing to pay fees for financial planning services in excess of S$1,500. Majority (68%) were … [Read more...]
Techniques to predict future investment returns (e-Learning)
There are many techniques used to forecast the future. Forecasting the future in investment is called 'capital markets expectations '. Without formulating an expectation of the future, it is not possible even to plan for one's retirement because future inflation, interest rates and investment returns are completely unknown. In the investment circles, all investors make some kind of forecast. The … [Read more...]
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