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Things to note before engaging Wealth Management Services

Wealth management services will be of great help when you want to hand over the task of running your portfolios after a long period of investing.

See to it that you have found someone who is seriously into protecting your investments and has your future in mind. You need to note the following before you go out there looking for wealth management services.

  1. Do not concentrate on the price

When you go out there looking for the right wealth management service to run your assets, it is very easy to go for one that is cheaper. However, you should concentrate more on the value than the price. You should pick a management service whose price corresponds to the value of the services they offer. You should ask around and read reviews on how these wealth management services relate with their clients. Inquire about how often you will be meeting up with the agents and how they will be keeping you posted on the progress of your investment. If the price of these services does not correspond with the price you are willing to pay, go to the next.

  1. Confirm documentation

You need to ensure that the paperwork you have is properly filled out. Do this with the advisor you will be working with from the wealth management services. You should then ask them about their work history and experience. Proceed to inquire if the advisor is a certified financial planner and ask whether they have other qualifications.

  1. Mode of payment.

You have a lot of options on how you can pay your advisor. Some are paid on commission and others have a rate that has been set depending on the size of your portfolio. You should go for a wealth management service that is as interested in the growth of your portfolio just as you are.


The wealth management service you will choose highly affects the future of your portfolios. This decision is critical. You need to find the right advisor to handle your portfolios. The advisor you will choose will have access to your accounts. Do your research well before going for one.

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Benefits of Legal Money Lender

If you have been searching for an excellent strategy for obtaining funds for your business startup or perhaps for your unique personal strategies, then you might want to seek the services of a legal money lender in Singapore. Simply put, this type of service provider is an independent party that provides loans to clients based on a set of unique selection criteria. Besides that, these types of service providers normally have licenses and legal documents to show that their compliance with state regulations from Power Credit.


Legal procedures and professionals

Perhaps one of the most noteworthy aspects of settling for this type of service provider is that fact they have licensed practitioners and systems for your unique loan needs. In this way, you are sure that you are dealing with professional financiers who will not swindle your funds or perhaps overwhelm you with atrocious lending rates.

Timely responses and approvals

Another important aspect of these type of service provider is the fact that they provide rapid responses and approvals for your loan applications. In fact, whereas the conventional lending institutions such as banks take a considerable amount of time before approving your loan, a legal moneylender is more likely to provide you with timely responses each time.

Affordable lending rates

When it comes to settling for the ideal loan financier, choosing one with affordable lending rates always has its inherent benefits. Simply put, you can acquire adequate loan funds, which are payable in a plausible timeline and relevant interest rates as well.


Finally, given these points, a legal money lender is an excellent investment for your needs since they are highly affordable, timely and have legal procedures as well. However, before you settle for one that suits your needs, it’s imperative that you evaluate their contract terms such that you can make an informed decision each time.

Investment Basics for Budding Investor

  1. What’s The Basic Premise of Investing?

The Collins English Dictionary defines the word invest in the following way; “To lay out, for profit or advantage.” To layout refers to the fact that something of value is needed in the first place in order to generate more wealth. In essence investing is a means of taking a pre defined sum of money and using it in such a way as to increase its original value, therefore generating a profit. In this article, we will explore the basics investment fund in Singapore that you should always put in mind.

  1. Why Invest?

This is one of the most fundamental questions that any person looking to invest needs to ask. The general answer is pretty obvious, to generate a profit, but the reason behind the investment are far more important and will directly influence how and where you chose to invest. In addition the answer will also determine the level of risk you are willing to expose yourself to and which will be explored in more detail later.

  1. How Should I invest?

This is also a deeply personal question and will depend upon the amount of money an individual has at their disposal. It is important to stress that investment takes many different forms all of which facilitate differing levels of investment. A single mum might decide to invest $20 or a business entrepreneur $1 million but both will seek a return on their capital outlay and how they go about achieving their investment goals may differ substantially.

  1. What level of risk should I expose myself to?

Such a decision is very important as ultimately it will dictate the profitability of your final investment. In many respects this question will also be determined by the answer to the previous question, why invest? If an investment is being made to safeguard a financial future the level of risk taken may be lower than an individual investing for fun.

Generally, investments are made in three distinct categories low, medium and high. Low risk investments include Government bonds and savings accounts. Medium Risk investments could include certain types of shares or property. High Risk investments will almost certainly include shares in rapidly expanding companies exploring new markets. The crash in the late nineties, in which thousands of newly established technology companies went bust, is an example of a high risk investment going very wrong.

How To Invest

Now that you have more information to help you get started with investment the next step is to speak to an independent financial advisor from GEC. These consultations are almost always free and you can get specific advice tailored to your individual needs concerning investing.


This article has attempted to provide advice to enable individuals to get started with investment. Discussion has taken place about the basic premise of investing and the profitability of such a decision, along with examining different reasons for investing. Attention has also been given to how much might be invested and at what level of risk this might be undertaken at. Finally we have explored the vast array of investment options available and the next step for a budding investor.

What is Singapore Savings Bonds

To make inexpensive investment options available to a wider variety of investors, a new government bond type will soon be available to retail investors in Singapore.

This investment product exhibits a unique feature, which is that holders of these bond types can secure a return from the bond during any month without penalty. This enables investors to cash in on their investment without any forethought when securing their investment, as typically bonds have an established interest rate. Cashing out these bonds that will be introduced very soon will save investors from reduced returns that often result from typical bonds when they are prematurely redeemed.

When will Singapore Savings Bonds be to investors?

Singapore Savings Bonds will be issued to investors on a monthly basis, beginning on October 1, 2015. Investors who have an interest in securing a Singapore Savings Bond are encouraged to begin applying for these investments on September 1, 2015.

How can I purchase a Singapore Savings Bond?

One can both apply for and redeem Singapore Savings Bonds at a DBS Bank ATM, a POSB Bank, a OCBC Bank or a United Overseas Bank, or over the internet via DBS/POSB through their banking portal online.

Both applications and redemption requests are required to be made in $500 multiples. These are cash transactions. Investors require a bank account with a bank participating in the program, as well as a Central Depository Securities Account that features direct deposit service, which permits any bond payments to be directly deposited into your account.

How much am I allowed to invest?

Singapore Savings Bonds are geared towards small retail investors, who can invest at least $500 with additional denominations that occur in $500 increments that cap at $50,000 during a single issue.

What return amounts can I expect?

Bond interest is associated with long-term SGS rates. While Singapore Government Security Bonds pay the same amount of interest yearly, Singapore Savings Bonds pay with vouchers that grow in value over time. Average interest investors will gain returns while they hold Singapore Savings Bonds, matching the proceeds investors would have received had they purchased bought an SGS bond of equal value. A 10-year SGS has yielded 2-3 percent at most over the past 10 years.

The interest rate schedule for each Singapore Savings Bond issue will be prior to application submission acceptance, and these bonds will be issued monthly.

I’d prefer to invest in Singapore Government Securities (SGS). How do I achieve this task?

Individual investors are required to hold an existing individual Central Depository (CDP) account in order to invest in Singapore Government Securities. The least denomination in which one can purchase an SGS is $1,000 and one can invest in further securities in denominations of $1,000. SGS are issued by auction to the investment market. One can purchase Singpore Government Securities either at primary auctions or in the secondary market. To learn more, visit

Investing In The Stock Market – A Simplified Approach

Right now there are a lot of people that are on the outside looking in when it comes to stocks. The stock market can easily make you a lot of money if you invest wisely. But it can also swallow up your life savings in a frenetic manner. If you have never invested into this marketplace, but you want to get into the mix, then you will need to know a few things about this. There are simple ways to jump in and play safe, and there are some ways that you can go all out and hope for the best. Before you do anything, take a few tips into mind and establish the right framework to move forward with.

Investing In Business

First and foremost, you should know what this all entails. When you are looking at investing into stocks, you are literally putting your money into the operations of a business. Let’s assume that you want to invest in a software company. You look at how they are performing and want to be part of their future success. You put money into shares, and those shares allow you to own a piece of the entity. If you have 10 shares, then you will get a percentage of the profits that come through each day, week, and quarter. In theory, you could make a lot of money if the price of the share rises systematically and you have many shares.

Making Money

To further simplify the notion of investing, take on the notion of dollars. If you were to invest in a company that has 10 dollar shares, and you wanted to buy 100 shares, you would own 1,000 dollars in stocks. You want the stock to rise above 10 dollars a share, and that is where the rise and fall of stock market investment comes into play. As you invest wisely, the company you’re hoping improves will be going about their business and will either profit or have losses. When the profits come in, the numbers remain strong and investment value rises, your 10 dollar shares could be valued higher. Take into account that a company may have small dips and rises through a year, but if you hold on to a strong company’s shares, you could end up with a huge amount of money, depending on how many shares you have.

Getting Started With The Stock Market

For those that want to invest, and have money to spend, investing can be done in several manners. You can start your quest by registering with a trading site. There are several stock trading platforms that you can join, and link your bank account with. Once you have an account, you could buy stocks individually or in as many quantities as you’d like. Some of these platforms let you trade for free, others charge a fee.

The second way to go about this is to hire a broker. Stock brokers can help you buy stock by literally purchasing shares for you. They will act on your behalf and take a small fee for the opportunity. They can advise you as to how to diversify your portfolio and maximize profits and diminish losses. Do some investigation before hiring anyone in this field.

Patience Is Key

Perhaps the one thing that you should realize about all of this is in regards to patience. Stock market investing is not a frenetic thing. You shouldn’t consider it like gambling or other tropes. Instead, focus on finding the most information about companies, stock prices, and the likes. If you’re patient, and make wise moves, you can stand to make money with stock investments. However, if you’re impatient and want to rush through things, you can end up losing a great deal.

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Is It Worth Investing In Bitcoin?

Bitcoins are a virtual currency that are becoming more popular on a daily basis. They are accepted as payment by many major companies such as Dell, Walmart and Amazon. They are mined from the processing power of computers and are unique in that they are seen as both a currency that can be used on a daily basis, and as an investment opportunity.

There are two ways that you are able to invest in bitcoins, mining them yourself, or purchasing them from companies that will mine them for you. There are advantages and disadvantages to both types of investments, and you will need to weigh these up before deciding which avenue you will go down.

Mining Bitcoins

Bitcoins can be mined, but this often requires specialist equipment that can be expensive to purchase, and to run and maintain. However, all of the bitcoins that you do mine will be pure profit for you. If you can afford the initial outlay, and are confident that you can mine enough bitcoins, then this may be the most profitable option. When you have mined the coins, you can choose to spend them, or sell them for a profit.

Purchasing Bitcoins

You can also purchase bitcoins that other people, or companies have mined. It is still possible to make a profit using this method, as long as you can sell them for more than you paid. There are fees for buying and selling bitcoins, and you will need to bear these in mind when you are calculating any profit that will be made.

As with all types of investment, there are risks associated with investing in bitcoins. However, the continued rise in popularity of this currency could see its value continue to rise. In the past, when their value has fallen, it has always picked up again in a short space of time.

The Basics of Private Equity

To begin with, it’s important to establish just what exactly private equity is. Private equity is an asset class consisting of equity securities and debt in companies that are not publicly traded. This means that the companies are not listed in the stock market. Thus, broken down even more simply, private equity is an investment in a private company. In illustration, consider the concept of buying stock in, or loaning money to, a family-owned restaurant.

However, private equity is also a very in-depth, big field. Private equity firm manage an estimated amount of trillions of dollars in assets across the globe, with close to a trillion in committed capital that is specifically set aside for new private equity investments to be funded with. Some examples of such companies and firms include: Toys R US, Dunkin Donuts, Walgreens, and even Petco. They are all established, well-known brands that generate substantial revenue at an alarming rate, and they are all examples of private equity investments.

The Different Types of Private Equity

The three types of private equity are: Seed, Angel, and Venture Capital. These all qualify as being types of private equity because they provide substantial sums of money to companies.

* A Seed Equity is pretty much what it sounds like – the initial investment that gets the ball rolling.

* Angel equity is a bit different, as it is divided into investors and groups. The former, an Angel Investor, is a very early-on stage of funding that is taken from an affluent investor. This money is then used to fund the necessary research and/or product development that is needed for the venture to take off. Usually an additional – though much less substantial – amount is provided by a Venture Capital or Private Equity fund. This is where Angel Groups come in, too. They are groups of investors who band together to pool their money into one large investment, and also provide a sort of mentorship to their companies.

* A Venture Capital, or Capitalist, is one who provides funding for a startup (seed) or early-stage company, before it has really started to grow a profit. Obviously, this comes with substantial risk, which means money is on the line. A Venture Capital, then, is an unproven investment. While highly risky, it has the potential to be very lucrative in the long-run.

These are the basics of private equity, including what it is and the different types thereof. As a business owner, or investor, it is up to you to do further research and determine how you are going to use the knowledge to your advantage. Can you take the risk in a new investment on your own? If not, the Angel Groups and Angel Equity may be what you need.


To Invest or Not to Invest

Where to Start

The first question you need to answer is, “What type of investment am I looking to make?” This is very important, as it will play into your decision on where to invest your money. Are you looking long term (more than 10 years)? Alternatively, are you looking short term to make a few bucks and get out? The other important question, “How do I intend to finance these investments?” Once you have these answers you can decide which market to put your money.

After deciding to make an investment, it is probably a wise decision to find a financial advisor that can help you get started, and even manage your investment portfolio. On the other hand, you can do it yourself; all you need is a computer.

Which Market? There is More Than One?

Yes, there is more than one market to choose from the stock market, bond market (private and municipal) and mutual funds.

The stock market is where you will make long-term investments by buying shares of companies. Investors or shareholders actually own, even though it may be small, part of the company and are entitled to a portion of the profits. The stock market has many up and down turns. It is for this reason you will want to invest long term here as the market always improves with time.

The bond market can be used for both long and short-term investments. When you purchase a bond – private or government – you loan money to the seller for operational costs or specific projects. Bonds are sold with a set interest percentage. When the bond matures, you get your money plus the interest. Bonds provide a steady income stream for people.

Mutual funds differ from the other markets. In a mutual fund, thousands of people invest small amounts of money with a fund manager. The money is then invested in a variety of stocks, bonds and other securities. A manager that handles his or her client’s money well can make a lot of money for their clients.

You Are Now Ready

Not really, but this is just a small snapshot of questions you need to ask and options available for you to invest your money. Deciding to invest your money is always a smart decision. Where to invest it becomes the problem, but with some research and asking many questions you can minimize your risk.

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