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How much risk are you willing to take with your savings?
A very difficult question for most of us to answer, but one that needs to be carefully addressed when planning an investment portfolio.
Cash savings such as bank deposit accounts and bonds offer low to no risk. They tend to be for shorter terms with lower returns and easier access to the funds, providing more certainty for financial planning. High risk investments such as commodities or hedge funds offer potentially greater returns and better prospects for our savings with a longer investment period, more volatility and less certainty for planning.
When deciding on the best and most suitable investment opportunities, it is necessary to take into account not only the required or expected return but also the acceptable level of risk.
Given the choice between low, medium and high risk investments most of us will take the middle road, but this may not necessarily be the most suitable path. A younger person with a good income may be more willing and more able to afford higher risk investments than someone approaching retirement or a newly-wed just starting out with a young family. Professional advisers take time to build up a profile of each client which they use to plan an investment portfolio suited to the individual.
At Infinity, our consultants take great pride in matching clients’ needs to the right product and as independent advisers – not tied to any product or provider – we are able to focus on providing solutions tailored to expectations for growth and acceptable levels of risk. Asia expat investment opportunities are already more attractive due to the tax advantages available to offshore investors. With good advice and professional planning, significant wealth can be accumulated.
If you intend to invest $5,000 or more, contact us for a consultation. We can design a solution to suit your timescale, your objectives and your tolerance of risk.