Lump Sum Investments

Risk and reward are interlinked

In financial markets, higher returns are associated with higher risk or volatility. Now more than ever, there is no such thing as a risk-free product. Instead, look for diversification and appropriate investment to enhance your financial security and get the best return consistent with the risk level you are comfortable with. Ronnie will help you navigate the complex minefield of investments to ensure you get an investment appropriate to your needs.

The process starts with finding out about you and your investment goals: how long you want to invest for, what is the money required for, have you provided for short / medium / long term financial needs, etc.

Your capacity to withstand risk is then evaluated. The evaluation takes into account your income, expenses, assets and liabilities, and your flexibility. There is also an evaluation of your own risk preference.

Only after this process is completed can you start to talk about what sort of investment products are suitable to your needs. You may divide your investments into short / medium / long term; you should provide for emergency funds; you should also get appropriate diversification. Ronnie can advise on all these aspects.

The process of setting up an investment will involve application forms as well as money laundering/identification requirements. Ronnie will make the paperwork easier for you and ensure your investment is set up properly.

Things to watch out for:

  • No such thing as a free lunch – do the quoted returns sound high?
  • What happens to your investment if inflation increases?
  • Who provides any guarantee?
  • Is counterparty risk a factor? Counterparty risk is where an institution other than the one you are investing with provides a guarantee, or whose default may substantially impact your investment.

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