Selven Valleeamah’s Post

Are they even your adviser if they “just do pensions” ?? Are you taking advantage of your adviser? What are the usual conversations? Have you asked them to help with one thing? Have they taken control of the meeting? Have they asked you about: 🌟 Goals and objectives 🌟 Insurances 🌟 Savings 🌟 Lifestyle goals 🌟 Timeframes 🌟 Attitude to risk 🌟 Investment experience 🌟 Mortgages 🌟 Budgets 🌟 Detailed information about your work 🌟 Have they taken the time to understand you properly? How can someone advise you without knowing everything? Having an adviser should be a long term relationship with someone you trust and confide in. Quayside Wealth Management

Some golden rules on creating wealth. 1. Saying "you don't have time to money to invest "is the same as saying "investing is not a priority for me" 2. Doing an SIP for 5 months and then stopping out because "you deserve a break "is exactly why you can't create wealth. 3. Investing money doesn't make you poor. You're poor because you don't invest. 4. Wealth creation is simple. Investing first + giving plenty of time. 5. It's never too late. Thinking you have more expenses, old, or uneducated is bullsh*t. 6.. If your friends judge you for not spending too much money on luxury, you need new friends. 7. Stop searching for hacks or "quick money" schemes. Invest for long period. 8. It won't happen overnight. You can't expect to fix your finances in a matter of weeks 9. If you are under insured, you're not serious about your family's goals. 10. Getting in good financial shape is the best thing you could do for yourself and your family. 11. You've invested in insurance for so long that you think it's NORMAL to invest in insurance after earning. Real investment is beating inflation. #deepaknagathihallichandru #deepaknagathihalli #Nagathihalli #deepak #chandru #InvestInELSS #ELSSMutualFunds #GrowYourWealth #MutualFunds #InvestingInMutualFunds #MutualFundInvestor #InvestmentPortfolio #WealthCreation #FinancialPlanning #DiversifiedInvestment #LongTermInvesting #RetirementPlanning #SIP #EquityFunds #assetallocation #investmentcoach #foreigntrip #regularincomeplan #childreneducation #marriagefinancialplanning #buyingcar #buyinghouse #taxsaving #PMS #AIF #DEMAT #equitytrading

𝟐𝟎 𝐑𝐮𝐥𝐞𝐬 𝐆𝐮𝐢𝐝𝐞 𝐟𝐨𝐫 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐉𝐨𝐮𝐫𝐧𝐞𝐲! 𝟏. 𝐓𝐡𝐞 𝟑𝟎% 𝐑𝐮𝐥𝐞: Save a minimum of 𝟑𝟎% of your income consistently 𝟐. 𝐂𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭: Regularly invest 𝟑𝟎% of your income every month 𝟑. 𝐄𝐦𝐞𝐫𝐠𝐞𝐧𝐜𝐲 𝐑𝐞𝐚𝐝𝐢𝐧𝐞𝐬𝐬: Maintain an emergency fund equivalent to at least 𝟔 𝐦𝐨𝐧𝐭𝐡𝐬 of your expenses 𝟒. 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐄𝐬𝐬𝐞𝐧𝐭𝐢𝐚𝐥𝐬: Ensure coverage with Term (Life), medical, and home 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝟓. 𝐒𝐢𝐦𝐩𝐥𝐢𝐟𝐲 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬: Keep it simple with two 𝐛𝐚𝐧𝐤 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬, two credit cards, and two Demat accounts (one primary, one backup) 𝟔. 𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐚𝐮𝐭𝐢𝐨𝐧: Avoid revolving credit on your 𝐜𝐫𝐞𝐝𝐢𝐭 𝐜𝐚𝐫𝐝𝐬 𝟕. 𝐏𝐥𝐚𝐧 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐔𝐧𝐟𝐨𝐫𝐞𝐬𝐞𝐞𝐧: Draft a comprehensive "𝐖𝐈𝐋𝐋" for your assets 𝟖. 𝐁𝐨𝐫𝐫𝐨𝐰 𝐖𝐢𝐬𝐞𝐥𝐲: Limit borrowing to essential needs, particularly for 𝐡𝐨𝐦𝐞 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 only 𝟗. 𝐇𝐨𝐮𝐬𝐞 𝐕𝐚𝐥𝐮𝐞 𝐑𝐚𝐭𝐢𝐨: Keep your home value below 𝟓 𝐭𝐢𝐦𝐞𝐬 your annual salary, the lower, the better 𝟏𝟎. 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠: Build a corpus of 𝟑𝟎 𝐭𝐨 𝟑𝟓 𝐭𝐢𝐦𝐞𝐬 your annual expenses before considering retirement 𝟏𝟏. 𝐋𝐨𝐧𝐠-𝐓𝐞𝐫𝐦 𝐕𝐢𝐬𝐢𝐨𝐧: Invest for the long term, ideally 𝟏𝟎+ 𝐲𝐞𝐚𝐫𝐬, and preferably 𝟐𝟎 𝐲𝐞𝐚𝐫𝐬 𝐨𝐫 𝐦𝐨𝐫𝐞 for equities 𝟏𝟐. 𝐒𝐈𝐏 𝐂𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐜𝐲: Never halt your Systematic Investment Plans (𝐒𝐈𝐏𝐬), especially during bear markets 𝟏𝟑. 𝐂𝐲𝐜𝐥𝐢𝐜𝐚𝐥 𝐀𝐰𝐚𝐫𝐞𝐧𝐞𝐬𝐬: Understand that all asset classes follow 𝐜𝐲𝐜𝐥𝐢𝐜𝐚𝐥 𝐩𝐚𝐭𝐭𝐞𝐫𝐧𝐬 𝟏𝟒. 𝐄𝐪𝐮𝐢𝐭𝐲 𝐀𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞: Recognize that 𝐞𝐪𝐮𝐢𝐭𝐲 𝐭𝐞𝐧𝐝𝐬 to yield the best returns over the long run compared to other assets 𝟏𝟓. 𝐀𝐬𝐬𝐞𝐭 𝐀𝐥𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧 𝐌𝐚𝐬𝐭𝐞𝐫𝐲: Adhere to 𝐩𝐫𝐨𝐩𝐞𝐫 𝐚𝐬𝐬𝐞𝐭 allocation principles 𝟏𝟔. 𝐃𝐢𝐯𝐞𝐫𝐬𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐖𝐢𝐬𝐝𝐨𝐦: Diversify your 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 across Equity, Debt, and Gold 𝟏𝟕. 𝐄𝐱𝐩𝐞𝐫𝐭 𝐆𝐮𝐢𝐝𝐚𝐧𝐜𝐞: Employ a 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐬𝐨𝐫; the reward justifies the cost 𝟏𝟖. 𝐀𝐧𝐧𝐮𝐚𝐥 𝐏𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 𝐂𝐡𝐞𝐜𝐤: Review your portfolio at least 𝐨𝐧𝐜𝐞 𝐚 𝐲𝐞𝐚𝐫; there's no need for frequent re-balancing 𝟏𝟗. 𝐁𝐞𝐡𝐚𝐯𝐢𝐨𝐫𝐚𝐥 𝐌𝐚𝐬𝐭𝐞𝐫𝐲: 𝐘𝐨𝐮𝐫 𝐛𝐞𝐡𝐚𝐯𝐢𝐨𝐫 matters more than your knowledge for financial success 𝟐𝟎. 𝐁𝐮𝐝𝐠𝐞𝐭 𝐖𝐢𝐬𝐝𝐨𝐦: Spend 𝐥𝐞𝐬𝐬 𝐭𝐡𝐚𝐧 you earn; it's the cornerstone of financial stability #𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 #𝐩𝐫𝐢𝐧𝐜𝐢𝐩𝐥𝐞𝐬 #𝐫𝐮𝐥𝐞𝐬 #𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐣𝐨𝐮𝐫𝐧𝐞𝐲

As Japanese businesses and investors express demand for private markets solutions, Apollo is building on its commitment to the country through new strategic partnerships, bespoke financings and an expanding suite of offerings. Learn more in Marc Rowan’s recent Q&A below

https://lnkd.in/dSPsDUkP "I think the banks' role as lenders will decline, yes, but they will still play a critical role. Their role will not always be the traditional role that we think of from 100 years ago. The role of a bank is changing. The bank is now an adviser to businesses and individuals, they're a capital market support, they're a service provider, they're a payments provider. We don't provide investors with equity or M&A advice, or hedging, or derivatives, or foreign exchange, or payments, or credit cards. The only thing we want is the asset"

Are Your Investments Holding You Back? Legendary investor Benjamin Graham wisely observed, "The investor's chief problem—and even his worst enemy—is likely to be himself." Emotions like fear and greed can cloud judgment and derail even the best-laid investment plans. Imagine having a trusted partner who can navigate the complexities of the market on your behalf. Someone who offers: Clarity: Cutting through the investment noise to reveal what truly matters. Objectivity: Providing an unbiased perspective free from emotional biases. Discipline: Sticking to a proven strategy, even during market turbulence. With expert financial advice, you can: Achieve long-term financial goals: Build a solid foundation for your future. Weather market storms: Stay calm and confident during volatile times. Avoid costly mistakes: Protect your hard-earned wealth. Are you ready to take control of your financial future? Contact me today for a complimentary consultation. #financialadvice #investment #financialplanning #wealthmanagement #portfoliomanagement <><><><><><><><><><><><><><><><><><><><><> 👋 Hi, I'm Stephen I have been living, working and enjoying life in the Philippines 🇵🇭 since 2019. And it is through my life experiences and knowledge of personal finance that allows me to help people living here, as well as in other parts of the 🌏, with their financial planning needs, including – Pension Transfers and Retirement Planning 👴 Investments 💰 UK Property Purchase 🏠 Life Insurance and Income Protection 🛟 Health Insurance 🤕 Golden Visa’s (CBI and RBI programmes) 🛂 For a complimentary, no obligation 🗣️, contact me directly on - +63 927 009 5437 or email me at stephen.free@nebawealth.com

"Wealth Creation , Wealth Protection , and wealth Distribution Why You Need all this ! As investors, we often focus on growing our wealth, but forget to protect it. And vice versa. The truth is that all three aspects are crucial for achieving long-term financial success! 1) Wealth Creation: - Invest for the future - Grow your assets - Achieve your financial goals (trough mutual fund) 2) Wealth Protection: - Safeguard your assets - Mitigate risks - Ensure financial security 3) wealth Distribution - Legacy - Tax Efficiency - Retirement - Peace of Mind If people do not protect their wealth, their investments and savings can be at risk due to unforeseen events like: 1. Medical emergencies: Without health insurance, medical bills can wipe out savings and investments. 2. Untimely death: Without term insurance, the family may struggle financially. Don't compromise on either! A balanced approach that combines wealth creation and protection strategies will help you: - Build a stable financial foundation - Weather market fluctuations - Achieve peace of mind Contact me: - Discuss your financial goals and risk tolerance - Develop a tailored investment strategy - Implement wealth protection measures Feel free to contact me on email address - dhavalsinh.sisodiya@bajajcapital.com contact number - 7069353404 Let's work together to create a comprehensive financial plan that addresses all aspects! #WealthCreation #WealthProtection #FinancialPlanning #InvestSmart #RiskManagement #FinancialFreedom #bajajcapital*"

In recent weeks, we have been talking a lot to #hnwis who wish to insulate their portfolios from the ramifications of political change in a year when almost half the globe will be going to the polls. Our users have also been seeking special expertise on #bonds and exploring #privateclient credit options including bridging loans. Lee Goggin Finn Harrod Susanna Pecora Lara Clarke Wendy Spires CIPP/E #wealthmanager #assetmanagement #portfoliostrategy #wealthmanagement #fixedincome https://lnkd.in/eNJ6ywXa

The added value of choosing an independent financial advisor for the generational transition. #FinancialAdvisor #FinancialConsulting #FinancialServices #FinancialAdvice #finance #FinancialStructure #FinancialChallenges #capital #bespoke #financialadvisor #strategy #wealth #objective #luxembourg #private #request #professional #loyalty #aeffecapital

"𝗙𝗶𝘅𝗲𝗱 𝗗𝗲𝗽𝗼𝘀𝗶𝘁𝘀 𝗔𝗿𝗲 𝗟𝗶𝗸𝗲 𝗟𝗮𝗻𝗱𝗹𝗶𝗻𝗲𝘀 – 𝗧𝗶𝗺𝗲 𝘁𝗼 𝗚𝗼 𝗪𝗶𝗿𝗲𝗹𝗲𝘀𝘀 𝗪𝗶𝘁𝗵 𝗬𝗼𝘂𝗿 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀!" 𝗜𝗻𝗱𝗶𝗮’𝘀 𝗦𝗵𝗶𝗳𝘁 𝗳𝗿𝗼𝗺 𝗦𝗮𝘃𝗲𝗿𝘀 𝘁𝗼 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀! 𝙆𝙚𝙮 𝙩𝙖𝙠𝙚𝙖𝙬𝙖𝙮𝙨 𝙛𝙧𝙤𝙢 𝙩𝙝𝙚 𝙩𝙧𝙖𝙣𝙨𝙛𝙤𝙧𝙢𝙖𝙩𝙞𝙤𝙣 𝙤𝙛 𝙝𝙤𝙪𝙨𝙚𝙝𝙤𝙡𝙙 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙖𝙨𝙨𝙚𝙩𝙨 𝙞𝙣 𝙄𝙣𝙙𝙞𝙖 𝙗𝙚𝙩𝙬𝙚𝙚𝙣 2014 𝙖𝙣𝙙 2024: 𝐅𝐢𝐱𝐞𝐝 𝐃𝐞𝐩𝐨𝐬𝐢𝐭𝐬 𝐚𝐫𝐞 𝐃𝐞𝐜𝐥𝐢𝐧𝐢𝐧𝐠 Once a favorite, fixed deposits dropped from 33% in 2014 to 23% in 2024, showing a shift towards more diverse asset classes. 𝐑𝐢𝐬𝐞 𝐢𝐧 𝐌𝐮𝐭𝐮𝐚𝐥 𝐅𝐮𝐧𝐝𝐬 Mutual funds saw a significant jump from 5% in 2014 to 11% in 2024, reflecting growing trust in market-driven investments. 𝐈𝐧𝐜𝐫𝐞𝐚𝐬𝐞𝐝 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐢𝐧 𝐄𝐪𝐮𝐢𝐭𝐢𝐞𝐬 Equity allocation surged from 7% in 2014 to 12% in 2024, a testament to Indians embracing risk for higher returns. 𝐏𝐞𝐧𝐬𝐢𝐨𝐧 𝐅𝐮𝐧𝐝𝐬 𝐆𝐚𝐢𝐧𝐢𝐧𝐠 𝐏𝐨𝐩𝐮𝐥𝐚𝐫𝐢𝐭𝐲 Pension funds doubled from 7% in 2014 to 12% in 2024, indicating a stronger focus on long-term security. 𝐒𝐭𝐞𝐚𝐝𝐲 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐏𝐫𝐞𝐟𝐞𝐫𝐞𝐧𝐜𝐞 Insurance held a strong position with a slight decrease from 23% in 2014 to 21% in 2024, remaining a core financial asset. 𝐒𝐚𝐯𝐢𝐧𝐠𝐬 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐬 𝐚𝐧𝐝 𝐂𝐮𝐫𝐫𝐞𝐧𝐭 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐬 While savings accounts reduced from 21% to 17%, current account allocation remained minimal yet stable. 𝐏𝐌𝐒/𝐀𝐈𝐅 𝐄𝐧𝐭𝐞𝐫 𝐭𝐡𝐞 𝐒𝐜𝐞𝐧𝐞 Portfolio Management Services and Alternative Investment Funds emerged in 2024 with 2% of household assets, signaling a move towards sophisticated investment strategies. 𝙏𝙝𝙚 𝙄𝙣𝙙𝙞𝙖𝙣 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙡𝙖𝙣𝙙𝙨𝙘𝙖𝙥𝙚 𝙞𝙨 𝙘𝙡𝙚𝙖𝙧𝙡𝙮 𝙚𝙫𝙤𝙡𝙫𝙞𝙣𝙜. 𝘼𝙧𝙚 𝙮𝙤𝙪 𝙠𝙚𝙚𝙥𝙞𝙣𝙜 𝙥𝙖𝙘𝙚 𝙬𝙞𝙩𝙝 𝙩𝙝𝙚𝙨𝙚 𝙩𝙧𝙚𝙣𝙙𝙨? #FinancialAssets #IndianEconomy #InvestmentTrends #MutualFunds #EquityInvestment #SavingsVsInvestment #PensionFunds #Insurance #FixedDeposits #IndianSavers #PersonalFinance #WealthManagement #InvestmentStrategy #FinancialLiteracy #EconomicShift #AssetAllocation Source: #SOIC