Savings And Investment Needs

Starting a regular saving plan early in life gives you financial security and freedom at different stages of your life. You will need  :  

• a plan that offers steady returns over a period of time  
• a plan that offers potentially higher returns than bank deposits  

From time to time, you may have the opportunity to invest a lump sum of money. You desire an investment which gives you stable returns. You need a plan which can be tailored to your investment time horizon and risk appetite.

Why Do You Need To Have Alternative Savings And Investment Plans ?  

3 Major Reasons :

1. Rising Inflation - 7.5% the highest in over 20 years

2. Rising Cost :

• Food - 5 to 10% increase
• Education - 5 to 8% increase
• Health Care - 10% increase etc

3. Low Bank Deposit Rates - 0.25 to 0.8% ( the lowest in over 20 years )

    See bank rates table = > Bank Rates

Despite the rising cost, inflation and low bank deposit rates , the majority of salaries have only gone up by 1 to 3% !

All these will result in an erosion of value over time of your hard earned money.

So you need a savings or investment tool that can better the bank deposit rates and beat the inflation rate over the long term - accumulate your wealth not depreciate.

So book an appoinment with us now to find the best plans to suite your long term financial goals. Some alternatives to ponder :

• endowment plans with projected returns of 4 - 5%
• investment linked plans with projected returns of 5 - 9%
• unit trust investments with projected returns of 6 - 10%
• variable annuities with guaranteed returns 

We analyse your financial priorities, cashflow patterns, net worth, investment objectives

and risk tolerance.  

A comprehensive plan for implementation can then be developed, incorporating the necessary strategies, time frame and resources. 

So if you are   :

• Investing your funds 
• Purchasing insurance   
• Starting a family   
• Planning for the children's education_tips.html   
• Planning for retirement or   
• Tidying up your estate  

Talk to us. Call for free consultation & advice.

Unlimited Range Of Financial Products :

Our strategic alliances with various banks, insurance companies, investment houses, stockbroking and private banking groups, will enable us to offer our clients a wide range of financial products and services.

Furthermore, our independence allows us access to a wide range of financial instruments from numerous internationally established financial institutions to meet your needs. Being entrepreneurs, the relationship with our clients is highly personalized, informative and long-term.

The chief purpose of our work is to help our clients and their families lead prosperous and financial trouble-free lives. We strive to make that happen by ensuring that their personal and financial risks are well managed and wealth-creating opportunities optimized.

Your savings and investment needs varies at your differant life stages. Whether it is saving and investing for your retirement planning needs, children's education needs, saving for purchase of your dream home or for wealth accumulation purposes - the priority depends on which stage you are at now.

Visit our Life Stage Financial Planning page for more info.

Alternatively , we can help you to prioritise your needs according to your budget by attending our Financial Planning Clinic sessions.

Call us or email us for an appoinment now ! email :

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Discover how to get the best returns for your money with these top 10 tips 

For Savings and Investments, Visit our links below for more info :

• Retirement Planning
  
  Retirement planning - How to prepare for and fund your retirement ? What is your ideal retirement savings amount? What is your ideal retirement age?
• Education Planning
  
  Is Education Planning important ? What you need to do to achieve your goals. Start planning for your child’s University Education expenses today !
• Wealth Accumulation
  
  Unit Trusts , Investment-linked plans , ASAP plans , regular savings plans designed to give you potentially higher returns upon maturity.
• Property And Home Financing
  
  Your home is one of your most important investments. Thus, it is vital that you choose the most suitable services when it comes to loans, valuations and protection for your home.