Principles of wealth planning

A financial adviser can help you tailor a plan which fits for your financial goals.

A successful plan takes into account many factors such as what the purpose of your investment is, how long you want to invest, how much you’d like to invest, what risk appetite you have and how much access you need to your money.

There are also some basic principles to consider:

  1. It’s important to diversify your portfolio
    Investing in a mixture of different assets (such as equities, bonds, property and cash) can help to make the performance of your investment less volatile, because if one part of the market does not perform well it may be balanced out by another part of the market that has good performance.
  2. Think long-term
    No one can time the market even the professionals. The longer you are invested, the less the negative impact of a sudden market drop to your investment. What's more, the sooner you start saving, the more you will benefit from compound growth on your investments.
  3. What risk are you comfortable with?
    There are risks involved in every type of investment. Your financial adviser can help you to understand these risks, and recommend a solution which is right for the level of risk you are comfortable with.

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