There is very wide definition of financial planning. First of all you have to know who the audience or client is. Is it an individual or family, or a business or a large organization? Financial planning for individuals and family generally covers: Understanding your financial goals, Planning for life stages, […]
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How should I construct my portfolio? These are the suggested steps you can set up for investing success: Step 1. Decide on your asset class mix Start with “110-your age” rule to put the percentage in equities/shares. So if you are 40, put 70% (110 minus 40). If you would […]
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Know your investment asset classes Investing in different asset classes is a good way to reduce risk. By spreading your funds across different asset classes you remove the risk of putting all your eggs in one basket – i.e. the risk that you will choose the wrong asset class at […]
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Today we turn to topic of “How to invest precious metals” i.e. Gold, Silver and Platinum. In general, there are 5 ways for a investor to buy or sell the precious metals. 1) Buy physical precious metals Invest in physical items like gold, silver or platinum bars or coins. At […]
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Platinum, with chemical name of Pt is a rare metal, whitish in colour, long wearing, highly polish and usually is associated in jewelry as the combination of diamond and platinum rings, necklaces, pendants. When one is asked : Diamond vs Platinum, which one is more expensive ? Many will vote […]
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Besides Gold, Silver is favourite among many collectors. Chemically, Silver symbol is Ag, while Gold is Au. Both of these precious metals share similiar electronic structures, they are electrical conductor, non-corrosive and easily formed. Unlike Gold , one key characteristic of Silver is that it perish and become irreplaceable during […]
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In our interaction and discussions with clients or friends, we have always been asked a RED HOT question : ” Should I invest in Gold or Silver ?” Just like any other investments, it is always a tug of war game of Risk vs Rewards. In view of many has asked […]
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After having a better understanding to obtain initial seed capital to invest in property through ZERO DOWN strategies, the next thing we should turn to is to take care of the LAND MINE in property purchase. In this article, we will explore some pitfalls and good practice in property purchase […]
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Buying property at a auction seems to be one of the last option for many people, mainly because we are not familiar with the mechanisms and workings of the auction house. Nevertheless, many will agree buying property at auction is one of the best way to acquire a property at […]
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For many working employees, it is mandatory for you to contribute a portion of your monthly income to a statutory savings provident fund call Employee Provident Fund (EPF). At the time of writing, the employee portion (you) will require to contribute 11% of your monthly income […]
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