Richard Cayne Meyer Asset Management Ltd. - The Advantages of Seeking a Financial Consulting Company

Irrespective of age, status and education, there comes a time in everyone’s life when taking the help of a professional financial consulting company becomes imperative. Richard Cayne of Meyer Asset Management Ltd. says that securing the services of a good financial consultant sets you and your family up for a brighter future. He goes ahead to mention that no individual can fully handle his or her finances efficiently on their own, while making sound investment decisions, taking care of daily expenses as well as making sure that the present and future make for a comfortable living situation.

Richard Cayne of Meyer Asset Management Ltd. says that everyone needs a professional financial consultant to help manage their finances efficiently. Most individuals struggle with financial decisions. Figuring out which securities will do best in the days to come as well as trying to predict market conditions while taking care of your daily duties and work schedule can be an extremely taxing affair. On the other hand, Richard Cayne of Meyer Asset Management Ltd. mentions that recruiting a full-time professional who deals with such issues proves to be an advantage as it not only equips you with added knowledge on various investment options, but also brings to your notice valuable information that you might have missed during your own assessment. Richard Cayne says that the kind of insight a professional can bring into your investment and savings planning is invaluable in that added to the extra insight and information they would be able to provide they are also able to give unbiased and 3rd party independent advice.  This is invaluable as most people’s judgment becomes clouded with emotions when dealing with their own finances whereas a 3rd party can be far more professional and objective when making investment decisions.

Richard Cayne of Meyer Asset Management Ltd. says that by entrusting a financial consultant to guide you with your finances, you not only get sound advice on how to plan, but also on how much and where to invest, so that the future can be as comfortable as the present, if not more. A financial consulting company will help you figure out the amount you should set aside for insurance as well, so that emergencies don’t tend to be a sudden burden on your mind or derail your financial plans. With in-depth knowledge, professional advice and ready solutions for your financial planning needs available at short notice, Richard Cayne of Meyer Asset Management Ltd. says that hiring a financial consulting company proves to be a rewarding investment in the long run.

Richard Cayne currently resides in Bangkok Thailand and is Director of Asia Wealth Group Holdings a London UK listed financial services holding company.  Richard Cayne is also Managing Director of the Meyer Group of companies who have relationships with over 200 major international financial institutions.

Richard Cayne Meyer International - Why Health Insurance Is a Necessity?

Most of us know that our health is one of the most important things in life. After all, you can earn a good living, lead a happy life and have the time to fulfill your every dream only as long as you’re healthy. However, health problems do not come knocking on your door after seeking due permission. Even if you are one of the most health conscious individuals on the planet, there are circumstances beyond your control that can have an adverse effect on your wellbeing and it always pays to be prepared. Richard Cayne of Meyer International in Bangkok Thailand says that though health insurance is one of the most basic necessities, most people fail to view it as such.

In his many years working in Tokyo Japan, Richard Cayne financial consultant says that Health insurance is a necessity as it provides you with a buffer should the unthinkable ever happen.  It is so important to ensure that in the event of a health issue medical bills will not dent your financial stability as well.  Richard Cayne of Meyer International says that one of the harsh realities of life is that we are all exposed to health risks on a daily basis. Even a simple commute to the office is a health risk as you are vulnerable to accidents, catching communicable diseases and much more.  No matter how conscious you are, there are still chances of you being affected by unforeseeable circumstances.  Why take the risk?

Richard Cayne of Meyer International says that in times when healthcare is expensive and one is surrounded by risks aplenty, investing in a good health insurance plan has a host of benefits. A well-advised health insurance plan not only provides coverage to you, but your family as well. Richard Cayne of Meyer International mentions that with the liberty to choose who all you wish to add to your plan; you not only take care of your own health but also provide a security for your loved ones.  Richard Cayne of Meyer International in Bangkok says that a good health insurance plan should always cover emergency scenarios as well as surgery along with the regular list of common ailments. This way, you will never have to think twice before going to the doctor in case of an emergency and an accident or ailment will not prove to be such a financial burden which could derail your financial plan.

Richard Cayne has been involved with offshore funds and structures in Asia for over 17 years.  He is currently Managing Director of the Meyer Group consisting of Meyer International Ltd and Meyer Asset Management Ltd. The Meyer Group is wholly owned by Asia Wealth Group Holdings a London, UK listed company with ties to over 200 global financial institutions.

Richard Cayne - A Gift Called Life Insurance

With life being full of uncertainties, Richard Cayne, Managing Director at Meyer International says that life insurance is one of the strongest tools in financial planning that helps ensure that your family continues to lead a normal lifestyle and grow long after you are gone. Richard Cayne says that in his experience of working in Tokyo, Japan for many years at Meyer Asset Management Ltd, he realized that though most people understood the significance of having life insurance, they invariably did not have appropriate coverage.

Richard Cayne stresses that having a life insurance policy, without appropriate coverage, may be as good as having none at all. Life insurance is not just about leaving your family with a certain amount of money; rather it is about leaving them with an adequate amount that will help them lead a regular lifestyle even in your absence. Especially if you are the sole earning member, you should ensure that your policy has enough coverage that your family members are able to meet their basic needs such as housing expenses, payment of monthly bills, education, medical treatment, etc. in a comfortable manner.

According to Richard Cayne, your life insurance coverage is not supposed to be based on the amount of your current expenses, but should also take into account the rate of inflation. It is common knowledge that the amount of money that is considered adequate to meet basic necessities today, will prove to be short say in about the next five years. Also, Richard Cayne mentions that what may be considered a luxury today might turn into a necessity in a couple of years, just as owning your own vehicle has transformed into a basic need these days from its once luxury status. Therefore, your life insurance coverage should be decided on the basis of the rising cost of living as well as the rate of inflation. Richard Cayne suggests that the best way to arrive at the right amount of coverage for your family is to take the help of a professional financial consultant, who can work out your future cost of living as well as recommend a payout sum that does not prove to be a big burden on your current income, helping you give the gift of life insurance to your family in the right manner.

There are many other uses of life insurance says Richard Cayne of Meyer such as extate tax planning, wealth transfer uses or corporate keyman solutions which will be discussed in future articles.

Richard Cayne has been involved with offshore funds and structuring in Asia for over 17 years.  He is currently Managing Director of the Meyer Group consisting of Meyer International Ltd and Meyer Asset Management Ltd and based in Bangkok, Thailand. The Meyer Group is wholly owned by Asia Wealth Group Holdings a London, UK listed company with ties to over 200 global financial institutions.

Richard Cayne Meyer Asset Management Ltd. - Diversify Your Portfolio With Offshore Investments

While bank savings, real estate and mutual funds are now considered to be more traditional ways of investing, offshore investments are creating quite the buzz in the International wealth management world. Offshore investment consultant Richard Cayne explains what offshore investments essentially entail and how investors can benefit from the same.

An offshore investment as described by Richard Cayne of Meyer Asset Management Ltd. is simply an investment that you make outside of your home country that may also involve favorable tax saving opportunities. By looking to invest offshore, individuals expose themselves to a more diverse variety of investment vehicles. Also, since some countries have favorable tax regimes, investing in such offshore vehicles allow for greater saving opportunities.

Richard Cayne of Meyer Asset Management Ltd. explains the three major reasons why someone should consider investing offshore as:

• Firstly, such offshore financial centers offer a great deal of privacy and protection to their investors. With strict laws against money laundering, these offshore centers ensure to maintain the security of your investment.
• Secondly, Richard Cayne of Meyer Asset Management Ltd. says that companies operating in offshore jurisdictions are already adept at dealing with foreign clients. With almost 99.9% of their clientele situated overseas, the client servicing teams of such firms ensure to deliver services in a manner that you can expect will address your needs.
• Thirdly, Richard Cayne of Meyer Asset Management Ltd. mentions that investing via an offshore financial centre allows one to make use of efficient tax planning. He goes ahead to point out that tax planning and evasion are two separate matters and should not be confused. Since making offshore investments is a completely safe and legal procedure, Richard Cayne of Meyer Asset Management Ltd. says that individuals can follow the rules of their jurisdiction, while leveraging the tax benefits of offshore territories and ultimately use the same to grow their wealth.

Meyer International Ltd based in Bangkok Thailand along with Meyer Asset Management Ltd form part of the Meyer Group of companies which is wholly owned by Asia Wealth Group Holdings Ltd which is a London UK listed Financial Holding Company.  Richard Cayne Managing Director of the Meyer Group has lived in Asia for over 17 years with the majority of his time living in Tokyo Japan consulting high net worth Japanese individual and corporate clients on offshore financial planning, investment and structuring matters.

Richard Cayne Meyer International on Financial Planning for Retirement

Retirement is a time when one should be able to look back and be content on how they’ve conducted their life and be ready to move to the next stage of life. However, to be able to enjoy a comfortable lifestyle long after you have stopped earning is a situation most people start planning for during their 40s. Richard Cayne of Meyer International says that the earlier you figure out your financial goals and start preparing for your retirement, the better the chances of you really amassing enough money to enjoy your golden years.

Professional financial advisor Richard Cayne says that while it is alright for individuals to plan for their own retirement, there are several benefits of hiring a professional that cannot be overlooked. First and foremost, a professional financial advisor will help you take a good, clear look at your present financial situation as well as obligations. After this evaluation, Richard Cayne of Meyer International says that your financial advisor should then ask you to discuss your financial goals at length. These goals could be inclusive of the kind of lifestyle you would like to lead post retirement, whether you would like to take that time to travel, make some provision for emergencies and what kind, etc.

After taking all of the above into account, Richard Cayne at Meyer International says that your financial advisor will then discuss the best investment options with you. These investments could be inclusive of life insurance, mutual funds, stock and bonds, bank deposit savings or even real estate. Considering the amount of money you can spare over an agreed upon period of time, your financial advisor will help you make the most of the investment opportunities that will offer you the kind of returns you will need over the discussed time frame. The next and most crucial step is the execution and revision. Richard Cayne of Meyer International says that while most individuals can easily take their plans to execution, revision is important so that your ever changing circumstances do not interrupt your long term financial plans. By hiring a professional advisor you not only ensure that your plan is put into action, but also that it is re-evaluated from time to time to take into account ever changing factors such as slow or booming economies, emergencies, etc… so that you stand a much better chance of achieving your goals.

Richard Cayne having worked in Asia for over 17 years, with majority of his time spent in Tokyo Japan running Meyer Asset Management Ltd is now the Managing Director of the Meyer Group which is wholly owned by Asia Wealth Group Holdings Ltd a London listed financial holdings group.  Richard Cayne currently resides in Bangkok, Thailand.

Richard Cayne Meyer International - Benefits of Mutual Fund Investments

While we have discussed at length regarding the basics of mutual funds in previous posts, in this post we shall talk about the various advantages of investing in them. Richard Cayne, Managing Director at Meyer International Ltd. says that investing in mutual funds is perhaps one of the simplest ways of making your money work hard to create wealth. The following are some of the advantages of investing in this vehicle according to mutual fund investment consultant Richard Cayne:

Choices – Mutual funds allow you to invest in different classes of funds such as stocks, money market funds as well as bonds. This gives you a greater range of investment vehicles to choose from and invest in; thereby allowing you greater freedom to create a portfolio that best suits your specific needs according to Richard Cayne Meyer.

Professional Portfolio Management – Richard Cayne states that the success of any investment depends on the kind of research and management that goes into it. Since mutual funds are handled by experienced and reliable professionals, this element is automatically taken care of, as they keep a close eye on the respective investments within making sure your investment makes the most of current conditions.

Diversification – Richard Cayne states mutual funds automatically offer investors with the chance to invest in different types of securities, thereby reducing the risk that comes with investing into only a few. Mutual funds allow one to pool their money with other investors in order to better diversify from collective funds, which is usually not possible when investing on your own unless your assets are sufficiently large enough to be able to diversify into dozens or even hundreds of investments.

Better Liquidity – Mutual funds are essentially a form of liquid investment and can easily be sold or liquidated when needed. However, since these are pooled funds, most companies have a few rules pertaining to a standard lock in period and after how long can one liquidate their investment without attracting losses or affecting other investors who themselves do not wish to sell. Still, Richard Cayne Meyer states that they are more readily liquefiable than most investment vehicles out there.

Richard Cayne having lives in Tokyo Japan for over 15 years now resides in Bangkok Thailand and is the Managing Director of the Meyer Group which is comprised of Meyer Asset Management Ltd and Meyer International Ltd.  The Meyer Group is part of Asia Wealth Group Holdings ltd which is a UK London stock market listed financial holdings company.

Meyer International Ltd - The Fundamentals of Investment by Richard Cayne

There are a number of ways an individual can allocate his/her income in order to receive capital gain or income over a period of time; however, the manner in which these investments are made has a huge impact on the kind of returns you can expect. Richard Cayne, Managing Director at Meyer International in Bangkok, Thailand, explains some of the fundamentals one should be aware of before deciding on what, when and how much to invest.

Time Horizon of Investment – According to Richard Cayne, who holds over 15 years of experience handling investments in Tokyo Japan, the kind of investment vehicle you choose should depend on the time period over which you feel comfortable tying up the funds. For those who might need money for short term goals, keeping some of your savings in the bank with a low rate of interest may seem to be a wise decision. However, Richard Cayne suggests to those looking at long term goals of say 5 years or more, investment vehicles with a higher rate of return would be a more appropriate vehicle providing higher growth.

Dollar Cost Averaging - Richard Cayne suggests making use of a concept called dollar cost averaging in order to smooth out the volatility of your portfolio over time. He mentions that even though markets tend to fluctuate, they almost always trend upwards. This means that if an individual is able to keep a stable rate of investment and keeps buying more of the particular asset, especially in times when the market is low, he/she stands a better chance of gaining in the long term than those who invest erratically.

Balancing with Diversity - Richard Cayne strongly suggests balancing out your portfolio with a good mix of non-correlated investments. This means that if some of your correlated assets take a dip due to market volatility, you can still balance out the dip in returns as other assets could be on the rise over such periods. Richard Cayne says that individuals looking to grow their portfolio with higher returns and lower volatility, diversification would be the way to go.

Meyer International Ltd based in Bangkok Thailand along with Meyer Asset Management Ltd form part of the Meyer Group of companies which is wholly owned by Asia Wealth Group Holdings Ltd which is a London UK listed Financial Holding company.  Richard Cayne Managing Director of the Meyer Group has lived in Asia for over 17 years with the majority of his time living in Tokyo Japan consulting high net worth Japanese individual and corporate clients on offshore financial planning, investment and structuring matters.

Richard Cayne Meyer International Ltd - Investing For the Long Term

Richard Cayne at Meyer International in Bangkok Thailand says volatility in the markets is predictable in that we know there will be volatility so learn to accept and understand it.  As a disciplined saver or investor (whatever you choose to call yourself) you simply must keep a view on investments over a long horizon.  The reason you must keep the long view is not so you ignore the present and put your head in the sand, and it’s not me telling you to “just hang in there”;  it’s so you don’t do what so many other unguided individuals have done in the past: failed to recognize that a well-managed equity portfolio will return 10% or greater on an average annual basis over any 10 year or longer period, and so you don’t guarantee yourself losses by buying high and selling low.  Unfortunately, most people end up buying high and selling low. 

Richard Cayne Meyer Asset management Ltd points out that over various research papers the study of investment results from 1991 through 2010, that the “average equity investor” realized an average annual total return of 3.8%, while the Standard and Poor’s 500 Composite Index provided an average annual total return of 9.1%.  A $100,000 hypothetical investment in the index would have grown to about $575,000 during that time, while this same investment would have grown to about $212,000 for the investor.  The difference in returns is largely attributable to investors getting in when times are good, and selling when times are bad-essentially buying high and selling low.  This “behavior gap” is the reason that during the gravy years for the Fidelity Magellan Fund, when it was under Peter Lynch’s management, the fund increased in value by an average of 29% annually, yet the majority of fund owners lost money.  The reason being is that they responded emotionally to what they saw going on around them; they bought high and sold low.

Of course one still needs asset selection that uses the right funds.  As Richard Cayne advocates all the time, even though we are required in the business to say “past performance is no guarantee of future results”, the reality of investment business is that past performance by a money manager is by far the best predictor of how that manager will do in the future.  Of the tens of thousands of mutual funds in the available universe, a small percentage, in any asset category, meet our standards for consistent, long term performance and capital preservation; and you need both.  There is no rule, no regulation, which says a fund, has to be good to be in business, and many are simply not good.

So hang in there and keep focus on your long term goals and objectives says Richard Cayne Meyer International Ltd. 

Meyer International Ltd based in Bangkok Thailand along with Meyer Asset Management Ltd form part of the Meyer Group of companies which is wholly owned by Asia Wealth Group Holdings Ltd which is a London UK listed Financial Holding company.  Richard Cayne Managing Director of the Meyer Group has lived in Asia for over 17 years with the majority of his time living in Tokyo Japan consulting high net worth Japanese individual and corporate clients on offshore financial planning, investment and structuring matters.

Article Source:- http://richardcaynes.wordpress.com/2012/09/08/richard-cayne-meyer-international-ltd-investing-for-the-long-term/

Richard Cayne Meyer Asset Management Ltd on RISK Assessment

Richard Cayne Meyer Asset Management Ltd says that risk assessment is an important consideration when choosing investments and conducting financial planning.  Usually, when people define risk as it pertains to financial planning and asset management, the response is that risk equates in some manner to risk of loss of current investment value due to poor investment performance or due to losses incurred as a result of broad market declines.  Risk, therefore being defined as the fear of loosing money.  Richard Cayne suggests, risk be defined more broadly as something you want to happen actually not happen. Risk associated with asset selection is manageable by picking managers who have demonstrated their ability to outperform benchmarks and indices and provide capital preservation over long periods of time usually 3-5 years plus.  In other words, don’t use funds that don’t perform, and don’t use funds that haven’t proven themselves.


Richard Cayne currently residing in Bangkok Thailand says that it is also important not to confuse market fluctuation with risk.  For savers who own mutual funds, whether they own good ones or bad ones, market fluctuation is a fact of life, and it is not a bad thing;  it is in fact a good thing as long as investors behave correctly.  In other words, don’t buy high and sell low.  Market fluctuation is the engine that drives the growth of mutual funds, and when an investor owns a quality fund for an extended period of time, market fluctuation enables larger share purchases at lower cost and accelerates the growth of funds.  For investors who invest regularly, a strategy usually referred to as Dollar Cost Averaging, market fluctuation is being exploited to the investor’s advantage.  When one invests a consistent amount of money on a regular basis (monthly, quarterly or yearly, for example) that investor buys more shares when prices are low and less shares when prices are high.  This results in the average cost per share being lower than the average price per share over the investment period.

There are other, often less considered risks; risks that can be as much or more deleterious than picking a bad fund manager. The risk that you have not quantified your financial goals and priorities, and therefore, have no plan, and no clear picture of your financial “outcome”.  The risk is that you will run out of money during retirement.  The risk that your financial goals and objectives will be derailed due to premature death or incapacity.  The risk that your desired outcomes for the people who are important to you will not transpire due to asset transfer laws and taxes.   Richard Cayne working as Financial Advisor in Tokyo Japan and at Meyer Asset Management Ltd has explained to hundreds of Japanese individuals how important considering the risk of not doing any financial planning for themselves or family that is truly the biggest risk.  Now Richard Cayne at Meyer International Ltd is also helping people in Bangkok Thailand and the region understand and learn how to manage and mitigate risks.

Richard Cayne when in Tokyo Japan said most Japanese feel challenged and wonder how to get the ball rolling and what the first steps should be.   If you have not done so already, start by creating a clear picture of what is important to you and what you want the financial aspects of your life to look like.   This is your life and your life plan after all so be as specific as you can.  Write it down, and then get professional advice on how to accomplish these things that are of great importance to you.  Good advisors, whether financial advisors, attorneys, accountants, or other professionals don’t give you a plan.  They listen to you to understand what you want, then advise you on how you may best accomplish your plan.   Start straight away if you haven’t already done so as waiting for tomorrow is a waste of today.

Meyer International Ltd based in Bangkok Thailand along with Meyer Asset Management Ltd form part of the Meyer Group of companies which is wholly owned by Asia Wealth Group Holdings Ltd which is a London UK listed Financial Holding company.  Richard Cayne Managing Director of the Meyer Group has lived in Asia for over 17 years with the majority of his time living in Tokyo Japan consulting high net worth Japanese individual and corporate clients on offshore financial planning, investment and structuring matters.

Article Source:- http://richardcaynes.wordpress.com/2012/09/09/richard-cayne-meyer-asset-management-ltd-on-risk-assessment/

Richard Cayne Meyer Asset Management Ltd - Why invest in Mutual Funds

There are a lot of reasons why we use mutual funds in our clients’ managed accounts says Richard Cayne of Meyer Asset Management Ltd.  Broader diversification is important.  For most investors, it is simply not possible to get adequate diversification in a portfolio of individual stocks in order to provide adequate capital preservation.  Negative events adversely affecting one company can have a substantially negative effect on its’ stock valuation.   Most mutual funds hold over 50 different stocks or positions so negative events affecting one company have little, if any, effect on the total fund.

There are more reasons; some of them of even greater importance.  Because mutual funds are required to report their financial results in a standardized manner, we can analyze the actual performance of a manager over long periods of time.  We are required as advisors to remind clients that past performance is no guarantee of future results, but in the end, the best and most important filter we have by which to select funds, is that fund’s historical performance.  If a fund has produced top quartile performance for 10 or 20 years or longer, it is reasonable to assume that there is a reason for that consistency.  Short term results (1, 3, 5 years) are random.  The reality of fund performance is that in the universe of mutual funds in any asset category, there are perpetual top performers, perpetual bottom performers, and a lot of mediocrity.  Richard Cayne who working at Meyer Asset Management Ltd and in Tokyo Japan helping Japanese with portfolio construction and modeling says that its important to look at the funds track record not as an absolute guide of what’s to come but as an indication of the funds performance relative to others in same sector.

Richard Cayne living in Bangkok Thailand says that in addition, mutual funds make money in more than one way.  We expect share value growth over time; an increase in the value of our holdings.  Mutual funds also pay dividends and capital gains.  Funds are required by the regulators to pay to shareholders a very high proportion of the gains realized in any given tax year.  This is important, because with mutual funds, even if there was no share value increase in a given year, there will inevitably be dividends and capital gains that must be paid out to shareholders.  Unless you are taking current income from your fund and spending it (during retirement, for example) you will be reinvesting these dividend and capital gain distributions back into your fund.  The game we are playing with mutual funds is to accumulate more shares.  The more shares you own, the greater your account value, but more important, the greater the earning power of your fund because the next time a dividend or capital gain is paid, you own more dividend and capital gain paying shares.  This dynamic of mutual funds paying dividends and capital gains, which in turn increases the number of shares owned and the earning power of the fund, creates the horsepower to multiply earnings and is an often forgotten reason why mutual funds can be such effective investment vehicles for growing capital says investment advisor Richard Cayne at Meyer.

 Meyer Asset Management Ltd’s Asian based servicing office Meyer International Ltd is based in Bangkok Thailand and form part of the Meyer Group of companies which is wholly owned by Asia Wealth Group Holdings Ltd which is a London UK listed Financial Holding company.  Richard Cayne Managing Director of the Meyer Group has lived in Asia for over 17 years with the majority of his time living in Tokyo Japan consulting high net worth Japanese individual and corporate clients on offshore financial planning, investment and structuring matters.

Article source :- http://richardcaynes.wordpress.com/2012/09/07/richard-cayne-meyer-asset-management-ltd-why-invest-in-mutual-funds/

Richard Cayne Meyer Asset Management Ltd – Common Investments and Correlation in The Markets

According to Richard Cayne Meyer Asset Management Ltd, having a well balanced portfolio with investments which compliment each other is quite important. So many investors end up buying assets or investments that are highly correlated and end up performing about the same. Of course this can be good in a rising market but offers no downside protection should the markets experience a severe correction. This article discusses some of the most common types of investments and how they may be correlated with each other.

Stocks
Preferred stockholders have a greater claim to a company’s assets and earnings. This is true during the good times when the company has excess cash and decides to distribute money in the form of dividends to its investors. In these instances when distributions are made, preferred stockholders must be paid before common stockholders. However, this claim is most important during times of insolvency when common stockholders are last in line for the company’s assets. This means that when the company must liquidate and pay all creditors and bondholders, common stockholders will not receive any money until after the preferred shareholders are paid out. That said most people invest in common stock.

Shares & Debentures
Richard Cayne Meyer Asset Management Ltd in Thailand says the differences are that; SHARES- A Share holder is the real owner of the company and does not have not fixed dividend rate and no maturity period, shares are not redeemable but can be sold. Shares are more volatile and imply a higher degree of risk. A share holder can have high return and share holders have rights on residual income.
A debenture holder is the creditor of a company, they have fixed rate of interest and they have a maturity period but they don’t have any right to vote. Debentures are redeemed, they are not volatile and they have a lower risk and a lower return. Unfortunately over the past few years we have seen a higher correlation of performance tied to both stocks and bonds.

Mutual funds
Mutual funds are also known as open-end-company. These are one of the most popular kinds of investments and provide the investors the opportunity to invest in securities. Though mutual funds involve risks but they also offer two things, that is, the ready diversification and opportunity for the fund manager to outperform the market.

Real Estate Investment
In the opinion of Richard Cayne, Real Estate Investment Trusts are corporations that sell shares for investments in real estate which can be in either residential, commercial or both. This type of REIT (Real Estate Investments Trust involves the buying, management, ownership, sale or rental of real estate properties and mortgages. Again as we had seen during the financial collapse property having taken a nosedive and the equity and bond market went down along with it.

Commodities
According to commodity fund advisor Richard Cayne, a commodity is a product, which is of uniform quality and traded across various markets. There are generally two types of commodities, “hard commodities” and “soft commodities”. Hard commodities include crude oil, iron ore, gold, and silver and have a long shelf life. Agricultural products such as soybean, rice or wheat, are considered ‘soft commodities’ since they have a limited shelf life. These commodities have to be similar and interchangeable or ‘fungible’. Gold as an example had provided an uncorrelated performance throughout the financial crisis up until 2012 and had been a good compliment to any portfolio as it had outperformed most other investments. Now in 2012 Gold seems to be gaining popularity as a mainstream investment pushing up demand for it and as such we are seeing a higher degree of correlation with the equity markets than we used to.

Richard Cayne having lived in Tokyo Japan for over 15 years and at Meyer Asset Management Ltd has ties with over 200 global financial services firms. Richard is Managing Director of Meyer International Ltd based in Bangkok Thailand and is the Asian based marketing arm for the Meyer Group which is owned by Asia Wealth Group Holdings Ltd listed in London UK

Article source:- http://richardcaynes.wordpress.com/2012/09/01/richard-cayne-meyer-asset-management-ltd-common-investments-and-correlation-in-the-markets/

Meyer International Richard Cayne – Life Insurance Simplified

Richard Cayne Meyer Asset Management Ltd says; In its simplest form, life insurance is financial leverage.  A small pool of money creates a large pool of money, guaranteed and risks free, for the purpose of funding an identified goal or objective.  Term life insurance is what most people think of when they think of life insurance.  Term life insurance provides a guarantee of a pool of money for a specific number of years, at a guaranteed (never to increase) annual cost, as long as the premiums are paid; usually for 10, 15, 20 or 30 years. The expectation is that at the end of the term, the protection will no longer be necessary, and the policy may be allowed to lapse (you may lapse a term policy at any time by ceasing to pay for it).

Replacement of Income
We use term insurance frequently to provide for replacement of income to a family who is dependent on a “breadwinner’s” income for living expenses, college funding, retirement funding etc.  If we plan correctly, we will accumulate assets during the earning years such that at retirement, the client will be able to produce his or her own income from assets when there is no longer income from employment.  Term life insurance guarantees that the “gap” between today and retirement will be filled if income ceases due to death of the income earner prior to fulfillment of planning. Richard Cayne financial planner, at Meyer International Ltd based in Bangkok Thailand, says that Term life insurance is inexpensive, has no internal cash value, and may be exchanged for other types of life insurance which do.

Planning for Certainties in Life
The other most often used type of life insurance is Universal Life.  Universal Life is permanent death benefit life insurance. Universal Life has myriad applications in financial planning, as the death benefit cannot be outlived. Using this financial leverage usually makes fiscal sense when there is a need to create permanent liquidity. Many of my clients use Universal Life to create an estate or to protect an estate.  In case you don’t think you have an estate; you do.  Your estate is all of your “things”, including your financial assets, property, hard assets like art, sculpture and collectibles, your furniture, cars etc… All of it.  Death eventually produces financial liability to the beneficiaries, one way or the other.  Even small estates have expenses, and providing for the extinguishing of these expenses helps to ensure order and facilitate the completion of your plans and aspirations for your beneficiaries.

Richard Cayne Meyer Asset management Ltd having lived in Tokyo Japan for over 15 years can certainly say that Japanese  like other nationalities with larger estates can be devastated by taxes and expenses if advance planning is not good, and I don’t know a single case where the client found it preferable to force the sale of estate assets to pay taxes and expenses rather than have the expenses paid from the proceeds of a life insurance policy which bought those dollars at a deep discount; often a fraction on the dollar. I’m safe in saying that everybody understands that they will have to pay for these inevitable expenses with discounted dollars as opposed to paying for them dollar for dollar.  Some clients want to leave a financial legacy to children, grandchildren, or a charity.  Universal Life allows them to leave a guaranteed, tax free financial legacy which was secured at a deep discount.  Richard Cayne having consulted on many larger Japanese estates says Japanese like other nationalities particularly Asian ones do not like talking about death although inevitable but planning for this earlier rather than later will ensure that your wealth can be passed on in the most cost efficient manner to those you care about.

Richard Cayne is Managing Director of the Meyer Group of companies and based in Bangkok Thailand at Meyer International Ltd.  The Meyer Group has ties with over 200 global financial institutions and is part of Asia Wealth Group Holdings a UK Listed company.

Article Source: - http://richardcaynes.wordpress.com/2012/09/01/meyer-international-richard-cayne-life-insurance-simplified/

Significance of Asset Allocation by Richard Cayne Meyer International Ltd

In the opinion of Richard Cayne at Meyer International Ltd in Bangkok Thailand, the right asset allocation is the key to a portfolio which outperforms. Asset allocation lets you spread your investment into different asset classes and therefore helps in reducing the risk of the portfolio. Asset allocation is not only about choosing investments in different asset classes but also those that are in different geographical regions.

In fact, the concept of asset allocation emerged with the fact that every investment has a different kind of cycle and associated risks and therefore, investing in different securities will not only reduce the risk but will also increase the opportunities of profit for an investor.

According to asset allocation consultant Richard Cayne in Thailand, deciding an asset allocation strategy is a very crucial and important decision for every investor. The right kind of asset allocation strategy will help you balance reduce the risks in your portfolio. During asset allocation, the investor needs to allocate his assets into different asset classes. Some of the most common but important asset classes include stocks, bonds and alternative investments such as hedge funds. Each asset class contains its own advantages. For example, stocks are often considered as the investments that can bring maximum profit to the investors but at the same time has highest volatility and downside risk as well.

An experienced investor knows that information is key to being able to make calculated decisions and financial consultancy firms can be a wealth of information to them. For less experienced investors a financial advisor can help the individual in choosing the right kind of allocation for his assets as well as helping to define the investor’s goals. Contacting a financial consultant is advantageous because he takes complete care of the investor’s portfolio by checking the investor’s risk tolerance level, investment capacity and by choosing the appropriate asset classes for an investor. An experienced and accomplished financial advisor very well understands that every investor expects profit within a certain time frame and so a proper investment strategy should be planned along with an asset allocation strategy. One of the most important tasks for financial advisors is that they help the investors in building a balance between the involved risks and expected profit returns.

Richard Cayne Meyer International in Thailand says that the situation and capacity of every individual investor is different from others and therefore, a different financial investment strategy having its own defined asset allocation strategy may be need.  Markets and asset classes do not move in tandem, what’s hot today may be cold tomorrow. Spreading your investment dollars among different types of asset classes and markets; stocks and bonds, domestic and foreign markets lets you position yourself to seize opportunities as the performance cycle shifts from one market or asset class to another.

Richard Cayne having lived in Tokyo Japan for over 15 years and at Meyer Asset Management Ltd has ties with over 200 global financial services firms. Richard is Managing Director of Meyer International Ltd based in Bangkok Thailand and is the Asian based marketing arm for the Meyer Group which is owned by Asia Wealth Group Holdings Ltd listed in London UK.

Article Source:http://richardcaynes.wordpress.com/2012/09/01/significance-of-asset-allocation-by-richard-cayne-meyer-international-ltd/

Financial Freedom - A Happier Life Richard Cayne Meyer International Ltd

It is no secret that saving money is essential for a happy and prosperous life. In such a catastrophic and vulnerable global economy where anything can happen anytime and the prices of basic needs are rocketing high every day, all of us need to save some amount of money as per our ability, suggests Richard Cayne at Meyer International Ltd in Bangkok Thailand. Saving money is a store of value for the times when we need to exchange that value for other goods or services.  We must ensure that we are getting the best store of value in our savings or investments by looking at how they will grow our value in line with the global growth and inflation trends and any extra value creation over and above this is the real return.

Reduces Stress and Live a Happier Life

According to personal financial consultant Richard Cayne, most of our stress problems arise from financial worries. Therefore, one way if we wish to reduce our stress, is that we ought to save money whenever possible.  Knowing that you are financially secure or at least have a plan and a path to take so that you will be one day in a financially secure state can bring great peace of mind and comfort to individuals.  According to statistics over 50% of people anxiety and worries derive from financial insecurity in one form or another.  Therefore at the very least create a plan to word towards being financially secure.

Richard Cayne Meyer Asset Management Ltd and having lived in Tokyo Japan for over fifteen years can say that Japanese who are thought to be amongst the most conservative and pragmatic people are not that conservative when it comes to their own financial security in the sense that most do not have a proper financial plan nor do they know how they will be financially secure one day. Most Japanese still believe their company or their government pension scheme will be a backstop for them and take care of them.  However Richard Cayne at Meyer makes it a point to explain how company lifetime employments has changed and is no longer the case as is the financial stability of the Japanese pension system.  Richard advocates that if Japanese want to truly be conservative and plan for their own financial security in a responsible way they would be advised to get planning sooner.  Japanese aren’t the only ones who don’t plan as well as they should though and we should all make it our business to be responsible to ourselves and our families to ensure we are on the right path to financial security so we can all rest easy.

According to Richard Cayne Meyer International in Bangkok, we can all lead healthier and happier lives by doing forward planning and putting a plan of action in place of how we intend to be financially secure or to grow and protect our store of value.  We should share this plan with our family members so that they too can take comfort in knowing how the family can send little Johnny and siblings through schooling, buy that house they have always wanted or plan for their retirement or any other important life events.

With the price of commodities and good seeming to continually escalate its is ever important to keep pace with this inflation rate which arguably is approximately 3-4% per year.  So every year your portfolio earns 1% means that the real earning or store of value in your portfolio had just eroded by 2-3%.  This is an unsettling feeling and applies to everyone both to those who are building their financial security and those who are there many times over.  Nobody is immune to this and in fact those with vast sums of money gives them even greater stress as they don’t want to see their billions erode to a store of value in the millions.

Wealthy individuals and families do understand the need to plan to protect and preserve their wealth and therefore even if your goals may differ you should be planning too.  If you have a plan of action to preserve and grow your wealth you will have one less worry in life. So get planning and sleep well.Richard Cayne is Managing Director of the Meyer Group of companies.  He is based in Bangkok Thailand and has been involved in financial services for over 17 years in Asia. The Meyer Group is wholly owned by Asia Wealth Group Holdings Ltd a London, UK listed company.

Article Source: http://richardcaynes.wordpress.com/2012/08/28/financial-freedom-a-happier-life-richard-cayne-meyer-international-ltd/

Richard Cayne Meyer International on Investment Principles

An investor can put his money into different types of investments including buying a bond, stock, fund, deposit certificate, real estate or various other financial products that is available for investment. Investing is the procedure in which the investor allocates money in form of purchasing any of the financial products with the expectation of gaining a return in form of financial profit after a certain time. Richard Cayne believes that every individual may benefit by making some investments at the right time and in the right manner.

Tie Your Investments to Your Time Horizon

In the opinion of certified investment consultant Richard Cayne, investment is one of the best uses of your earned after tax income. Particularly when time is on your side and you can invest over a long time horizon without having to worry about day to day or even year to year fluctuations in the values of the underlying assets. All of us save money so that we can use it at the right time and this ties directly into financial planning where one should try and identify the time durations they may be able to save or invest over.  By doing this you can better determine which financial products or roads to take on your path to financial security.  Saving money in the bank at near zero interest rate is a very slow road to take which will never get your money growing fast enough for you.  That said if you need certain money for a short term goal say six months away then the bank account would be appropriate.  If the goal is 10 years away then you potentially could have received higher gain in other investments and that would be your opportunity loss.

Regular Saving or Dollar Cost Averaging

As markets fluctuate but over time trend upwards a great way to take advantage of this is through regular investment or what’s called Dollar Cost Averaging.  Investing periodically such as every month or even every year if your time horizon is long enough allows one to buy more of the asset when the asset price drops and overall smooth out the volatility in your portfolio by buying in the good times and most importantly in the bad time too.  Richard Cayne having lived in Tokyo Japan as Investment advisor and at Meyer Asset Management Ltd Tokyo had helped thousands of Japanese plan their future and dollar cost averaging is always one of the tools that he highly recommends.  Now Richard Cayne in Bangkok Thailand consults many leading investment companies on how to structure such investment plans to meet the needs of Japanese living abroad as well as those in Japan.

Diversify For a Balanced Portfolio

For some investing into one or two areas may seem like a good idea but if those two investments take a drop then having some other non correlated investments in their portfolio could have balanced out or reduced the drop to their overall portfolio.  Though the same can be said on the upside two that the other investments may not perform as well.  For most people however who look to grow their portfolios with a lower level of volatility and potentially with higher return should look to have a balanced portfolio of investments that will compliment each other.  For example instead of having all ones money in US Equities having some in Chinese Equities would have dramatically increased the performance of their portfolio over the years.  Richard Cayne Meyer Asset Management Ltd’s Asian based servicing arm Meyer International Ltd in Bangkok Thailand has been servicing its clients and strongly advocates a balanced portfolio with investments that compliment each other.

Take Control of Your Portfolio Today

Instead of simply saving in the bank, bonds and dabbling in investments consult a professional who can help guide you through all the benefits of investments and which ones are suitable for you.  Employ the above techniques and you will be taking a very good step forward towards your financial security. Richard Cayne is current Managing Director of Meyer International based in Bangkok Thailand and like Meyer Asset Management Ltd forms part of Asia Wealth Group Holdings a London UK listed company.

Article Source: http://richardcaynes.wordpress.com/2012/08/28/richard-cayne-meyer-international-on-investment-principles/

Richard Cayne Meyer International Ltd Protect & Grow Your Wealth

As we have discussed in previous articles the importance of having a financial plan lets look at some reasons the wealthy are very interested in protecting and growing their wealth. Richard Cayne at Meyer International Ltd in Bangkok Thailand says many assume that the very wealthy don’t need to or have to think about their money or wealth but that is not true.  In fact most high net worth individuals defined as having investable assets over US$1million think about their portfolio more than those who don’t have any money saved up because they know that through inflation can erode their hard earned savings if they aren’t careful. They very much want to grow their assets and keep a watchful eye on preserving them as well. Those who are slightly higher up the food chain in the ultra high net worth class defined as having over US$50million are even more concerned about inflation and want very much to preserve the store of value and are less concerned about really growing it and more focused with just keeping up with inflation.

Richard Cayne having worked in Tokyo Japan Meyer Asset Management for over 15 years and servicing many high net worth individuals and even ultra high net worth individuals can certainly say that everyone regardless of the size of their portfolio should be concerned about inflation and keeping pace with it at the very least.  Inflation is certainly a form of wealth destruction and should be one of the most important considerations to any investor.

If it wasn’t for inflation then the need to grow your savings would not be as pronounced as it currently is.  Imagine for example if prices would never change and the cost of higher education currently around US$80,000 for four years ( see fastfacts ) would still be the same in 15 years.  That is a nice thought but is not the world we live in.  In our world we would need to target a sum closer to US$150,000 to get the same value in 15 years as now.  That is assuming of course inflation does not escalate further.
Loosing Your Store Of Value By Doing Nothing Or Achieving No Growth

Wealth advisor Richard Cayne says that his wealthier clients actually look at it as if they are loosing money every year they don’t achieve growth same or greater than inflation. If for example their net worth is US$20,000,000 and they achieve only 2% growth on their portfolio they see their purchasing parity next year of only US$19,600,000 that they are down US$400,000 assuming a 4% inflation rate.  This is a very unsettling feeling for them and as such the main objective is to not loose their store of wealth and keep up with inflation.  Anything beyond the inflation rate is seen to be their real return.
Real Estate is another area which despite some downturns even though significant in size is still on the rise over time and needs to be considered,  particularly in Asia, where property prices have risen at an extremely fast pace.  Certainly property if bought at the right time can play a meaningful part in someone’s portfolio right along with equities, bonds and commodities says Cayne.

Choosing to invest in assets that will grow in value outpacing that of inflation is key.  Particularly in the US these days it is getting more and more obvious that the government is doing what it can to stimulate the economy and inflate asset prices of both equity markets and property markets.  This means keeping your cash in near zero interest bearing accounts will be the worst thing you can do for your financial plan.  It’s a guaranteed looser over time.

So whether you are just starting on your road to financial freedom or already there consider your options carefully as inflation is a force that affects us all.  Everyone needs to plan carefully and consulting with a firm that can help you define and stay on track of your financial plan would be a recommended and valuable decision to make.

Richard Cayne has been involved with offshore funds and structures in Asia for over 17 years.  He is currently Managing Director of the Meyer Group consisting of Meyer International Ltd and Meyer Asset Management Ltd. The Meyer Group is wholly owned by Asia Wealth Group Holdings a London, UK listed company with ties to over 200 global financial institutions.

Article Source: http://richardcaynes.wordpress.com/2012/08/28/richard-cayne-meyer-international-ltd-protect-grow-your-wealth/

Meyer International Richard Cayne On How to Choose The Right Health Insurance Plan

Today, the market is full of numerous insurance companies offering a diverse mix of health plans; it really looks like a laborious and time consuming task to choose the right kind of health insurance plan for yourself or for your family. In order to choose the most suitable health insurance plan for your family, you ought to analyze certain factors and figure out the major differences and advantages of several health insurance plans, says Richard Cayne.  Having the right kind of health insurance plan for your family, ensures that you may sit back and relax at the thought that you have taken the right decision and have secured the future health security of your family members.

Having adequate levels of health insurance can be a very important part of financial planning says certified financial planner Richard Cayne as his group Meyer Asset Management Ltd has relationships with many different health carriers.  Some family’s whole financial plan can be seriously impacted and turned upside down by a serious medical emergency which can run into several hundred thousand USD in hospital bills and how it is important not to let such a scenario occur by planning for the unthinkable.

When choosing a health insurance plan for your family, you need to consider several important factors.  Richard Cayne Meyer International in Bangkok explains some of such most important factors.

Know Everything About A Health Insurance Plan

Try to find out everything about the health plan that you are planning to choose. Know all the conditions that the plan cover, which conditions are not covered under that plan, what all its co-payment or deductible amounts may be as well as any conditions that may be excluded either now or in the future. Such details will give you a fair idea about how suitable a plan is for your family needs and whether you should choose it or not.

Understand Your Family Needs

Analyzing your family needs is very much essential. While choosing a health insurance plan, you should find out how many members of your family you want to be covered under the plan. You should make it very clear whether you want just a few members or your entire family to be covered under the plan that you are choosing.  This may be because some members may have insurance plans already in place via their employment or in the country they live, in the case of a large family living in different geographical areas.

Decide Whom You Want To Include And On What Level Of The Plan

As per Richard Cayne in Thailand, this step may look somewhat similar to the previous one but requires detailed analysis and several other factors to be considered. You should check well which family member need the health insurance plan and which level of it as some plans offer the ability to have different levels of coverage for different family members. Are there any members in the family who have got any pre-existing physical conditions? Are there any members who frequently need to visit the doctors or hospitals? Such type of questions will let you decide clearly which member should be included and covered under which grade of the plan.

Evaluate Your Salary/Budget

Once you have made up your mind to buy a health insurance plan for your family and have decided about the members whom you want to be covered under the plan and at which levels, it is now time to evaluate and assess your means and ability to afford such coverage.  So you should opt for one that suits your needs and whose premium does not become a financial burden for you and you can readily do this by choosing a higher deductible or co-payment level for the plan.  For example an insurance plan with a $50 deductible (meaning you pay the first $50 of any claim) which may have a US$1,000 per year cost may drop to US$400 per year with a US$2,500 deductible meaning that you really want it to cover the really major incidents which you may not be able to afford on your own.  Having a plan in place in case of major medical emergencies is probably the most important security to put into place and if you can afford the plans with low deductible and all the bells and whistles then perhaps explore those options if your means allow.

Richard Cayne has helped the expatriate community in Japan and now in Bangkok Thailand with various healthcare plans over the years.   With health care costs and insurance costs on the rise finding the most cost effective healthcare plan is a good step forward to any families long term financial plan and security.  Meyer International Ltd in Bangkok Thailand and Meyer Asset Management Ltd are both members of Asia Wealth Group Holdings Ltd listed on the PLUS Stock market in London UK.

Richard Cayne Meyer International On Why A Professional Investment Advisor Is Worth Their Weight In Gold

Do you have sufficient capital to invest? Do you want to invest it in a professional and unemotional manner? Are you looking for appropriate investments for your capital? If yes than Richard Cayne Meyer Asset Management Ltd suggests you to seek help of an investment advisor or professional who can you give you unbiased information to make the right choices.  It’s not so much what instruments to invest in but how and when to do so and how they all tie into your financial goals and objectives.  A good financial advisor or consultant will also be able to tell you the right time to sell or buy and by the “right time” what is meant by that is a time that makes financial sense to do so after taking into account all the risks and making a carefully calculated decision based on the information in the market place rather than on emotion.

A Financial advisor or consultant is a professional and just like a doctor or lawyer should be unbiased and unemotionally attached when advising a client to buy or sell something.  Everyone has heard the term “A man who is his own lawyer has a fool for a client” or a surgeon should never operate on their loved ones as emotions come into play which can cloud one’s judgment from making the right decisions to buy or sell a financial asset.  Meyer International Ltd, Richard Cayne says a true financial advisor that can do this for their client in a professional manner is worth their weight in gold.

According to professional investment advisor Richard Cayne,  an investment advisor that can harness all the information available in the marketplace and boil it down to extract the salient points enabling him or her to give the right advice to their client is something to look for when choosing a consultant.  Don’t believe everything you read on the internet as there are many statements out there to mislead people or cause them to believe investing in one product over another may be the right choice.  Talk this over with your advisor until it makes sense to you.

In Tokyo Japan where Richard Cayne had lived for over 15 years and at Meyer Asset Management Ltd he has much experience with advising both corporate and individuals on offshore investing and investments and has always noted that Japanese clients typically would make two fundamental mistakes.  One being many would simply want their investment professional to take care of their money without them neither knowing all the details nor having an understanding of where their money is being invested.  This is a mistake because if you know how and why the investment makes sense than any individual will be far less concerned should the investment go down and they would better understand that with many investments there may be swings and so while down will understand when it may go up and conversely if the investment is up they will then better understand as to why so they will be then better able to allocate more of their portfolio to investments that they understand and make sense for them. The other mistake is panicking and selling short out of investments that are down but have an excellent chance at rebounding and this is exactly where a good consultant or advisor is worth their weight in gold if they can accurately explain to their clients until the client has a clear understanding of where their money is, why and the risks and opportunities that are present.  In Japan it is not always thought appropriate to question professionals but Richard Cayne says that is exactly what is needed and always question your professional advisor.

As far as selecting an investment advisor is concerned, Richard Cayne suggests that as the financial industry is full financial companies and advisors of varying quality, the investors need to choose reliable, reputed and knowledgeable investment advisors who possess extensive experience in the financial field.  Most importantly however is to choose an advisor or consultant that will be glad to explain and answer why the investment they recommend is appropriate for you.

Richard Cayne having lived in Tokyo Japan for over 15 years now resides in Bangkok Thailand and is Managing Director of Meyer International Ltd the Asian servicing arm of Meyer Asset Management Ltd having ties with over 200 international financial institutions.  The Meyer Group is a member of Asia Wealth Holdings Ltd which is listed on the PLUS Stock market in London UK.

Meyer International Richard Cayne Basic Tips for Beginners Investing In Mutual Funds

Lack of knowledge and information on how and why invest in mutual funds can create disastrous results for the newbie investors, says Richard Cayne. On the other hand having proper knowledge, availability of reliable information and guidance and taking right decisions at rights times can bring huge profits to those who invest in mutual funds. Those who are new to mutual fund investments should take care to learn certain basic tips that will help them achieve profitable results.

Enhance Knowledge – According to mutual fund investment consultant Richard Cayne, the first step that all newbie investors looking at investing in mutual funds need to take is to enhance their knowledge before stepping into the market and taking any investment decision. Now-a-days, it has become quite easy and convenient to gain knowledge on almost everything from the comfort of your home because of presence of the World Wide Web. This umbrella of the internet possesses some important websites that can help anyone to update and enhance his/her knowledge and information on mutual funds. So spare some time and do your own research so that you get the basic information on mutual funds.  Just don’t believe everything you read on the web.

Decide Proper Asset Allocation

It is very important to have a balanced portfolio and choosing the right kind of asset allocation can really make all the difference between a portfolio that follows the indexes and one that really outperforms. Asset allocation is all about investing your capital in various investments with the apt blend of different financial products that compliment one another rather than just performing like one another.  For example some hedge funds can take shorts positions in the markets so that if the respective financial instrument drops in value then the hedge fund can make money from this.  Adding in some funds that can make money in bad times as well as the funds in your portfolio that can make money in good times may achieve a higher overall return and shelter your portfolio somewhat when the markets get bumpy.

Choose Right Funds

You will find that there are various types of funds available in the market some with very high minimums. Hence you need to take the right decision in terms of what your expectations are and what is available which will work with your financial plan. For example, ask yourself that what your financial objectives are, do you want to invest for your retirement or for the education of your child or for some other purpose, over what time frame do you expect what kind of return and how your tolerance to risk may be.   Richard Cayne having lived in Tokyo Japan for over 15 years and as Investment advisor at Meyer Asset Management Ltd says that expectations and understanding ones risk tolerance levels are incredibly important and working with the right financial advisor or consultant that can help you determine what your expectations and risk tolerance levels are is crucial.

Monitor Constantly

According to Richard Cayne Meyer Asset Management Ltd’s Asian based servicing arm Meyer International in Thailand, the newbie investors in mutual funds should understand and realize the fact after they make their initial investment close monitoring and evaluations are needed to make sure that the strategy is performing both in line with your expectations and risk tolerance levels.

Take Help of Financial Advisors

Take help and advice from reliable financial consultants says Richard Cayne Meyer International in Bangkok. These knowledgeable and seasoned financial advisors not only help the mutual fund investors make the right investments but they also help in monitoring the various investments. Experienced financial advisors should keep their clients updated about the performance of their investments and provide ongoing advice with periodic reviews.

Richard Cayne founded Meyer Asset Management Ltd and is Managing Director of Meyer International Ltd the Asian based servicing arm for the Meyer Group.  Richard has over 15 years' of experience in Japan, beginning with a short assignment at Sony before changing his career path to wealth management where he gained much of his market knowledge and experience in servicing the wealth management needs of the Japanese market. Richard is Canadian and speaks fluent English and French and has a working knowledge of Japanese.  The Meyer Group is part of Asia Wealth Group Holdings which is a publicly traded company listed on the PLUS Stock exchange in London UK.

Richard Cayne & The Meyer Group On Offshore Investing

Offshore investing simply means that wherever the respective fund or investment is formed and registered is in a low tax area such as Ireland, Malta, Isle of Man, Hong Kong or Singapore to name a few.  This does not mean that investors have no tax obligation as they may dependant on where they reside but rather offshore investing can offer investors some significant tax planning opportunities to minimize their taxes.  In addition many clients who want a higher level of discretion and confidentiality can also make use of offshore investing not to hide assets but rather to shelter them from being public information and in turn a target to go after.  Many celebrities and public figures recognize this and is the number 1 reason they look to offshore investing using trust structures offshore.

Offshore domiciled investments also do not have the extra costs associated with certain registration requirements which certain countries may have.  For example registering a fund for sale in the US or Japan can be extremely costly and time consuming and as such many fund companies do not take the steps to register these funds in certain countries.  Though if they want to market their funds in a respective country they may need local registration. Offshore fund consultant Richard Cayne of Meyer Asset Management Ltd has been helping securities firms in Japan with information on offshore funds and fund registrations.  The time it may take to do a full blown registration for mass distribution in Japan can be up to a year and cost upwards of US$500,000 which is why many fund companies hesitated to jump into domestic registrations until there is sufficient demand by the local customers to merit such registration.

There are great funds out there managed by US and European based fund managers who have also chosen to set up an offshore feeder fund so that internationally based clients can invest cross border into their investment without the need to treat them as foreign investors and withhold tax as foreign investors would normally need pay.  Instead the offshore feeder fund would be able to on tax efficient basis aggregate money into the onshore fund.  Most of the largest fund companies in the world have offshore funds as well as their onshore ones.  Fidelity, Templeton, Blackrock to name a few all have offshore funds.  In fact these days if you don’t have an offshore fund as a fund management company then you aren’t a global player so instead of the exception it is now the rule to have offshore funds as a fund management company.  Clearly this is done out of demand and to be able to raise money internationally.  Most Japanese securities firms in Tokyo see the need to be more global and go offshore these days says Richard Cayne from Meyer International Ltd.

Still many have the preconceived idea that offshore investing is for those who want to hide from the tax man which is today a myth as any tax office can pretty much gain access to your information if they want to.

Richard Cayne at Meyer International Ltd in Bangkok Thailand has been consulting with clients around the world and most individuals that look for offshore investments simply are interested in diversification of their assets and are opportunistically looking for good investments.

Investing offshore for the right reasons can certainly offer many advantages and working with a financial professional who can advise you on the options and opportunities that exist offshore is a recommended first step.

Meyer Asset Management Ltd like Meyer International in Bangkok Thailand form part of the Meyer group which is a wholly owned subsidiary of Asia Wealth Group Holdings Ltd listed on the PLUS Stock exchange in London UK.

Meyer International On Top Tips to Build Wealth

Everybody in this world wants to be self sufficient, self dependent and financially successful. But the irony is that not everyone is able to turn this dream into a reality. Richard Cayne in Thailand says that following few basic tips can keep us on the right path to building our wealth and achieving our financial goals. We all should remember that our capital is just like a seed and we all need to learn how best to plant it, nourish it and take care of it so that it rewards us with a successful harvest in form of profitable returns. This article sheds light on some basic tips which are really helpful for common individuals who are interested in building wealth. 

Be Optimistic – According to wealth management consultant Richard Cayne, the first tip of wealth building is to stay optimistic. Life is full of difficulties but in order to emerge as a winner, we all need to have a positive attitude and an optimistic approach. The various challenges in our lives may seem to be extreme hurdles but it is only our attitude, wisdom and approach that can bring out solutions for any kind of problems.

Do What You Love – Most people work for a living in some profession but those who do what they love end up excelling in their careers and achieve higher rates of remuneration than those who are simply grinding out a living they do not enjoy.  If you can find work that you enjoy then the chances of excelling at it is far better.  Needless to say, it will be an important step for your building your wealth.


Be Courageous but Understand risks – As per the opinion of Richard Cayne at Meyer International Ltd in Thailand the Asian based marketing arm of Meyer Asset Management Ltd, life presents many risks and challenges and as one cannot avoid risk altogether it is best if you try and learn how to measure and evaluate risks so that you can make the most of any opportunity.  If you’re able to access the risk reward potential of investments then you will have the courage to make that leap when you see it.

Learn About You Options – If you don’t know what your options are then you can’t take advantage of them nor with you feel comfortable making decisions.  Work with professionals that can help guide you through options that are suitable for you says Richard Cayne in Bangkok Thailand.

Save As Much As You Can – No matter what your age is you should start saving as soon as possible. In fact you should start saving from the time you start earning. Even if you save a small amount, it will be extremely helpful for you in your future needs and will help you in your wealth building strategy.  Richard Cayne having worked in Meyer Asset Management Ltd in Tokyo Japan had recognized and advised many Japanese over the years about “time on your side” and making the most of savings and investments while at a young age and with time on your side it can grow far more than most expect.  In fact someone savings 20% of their income in their twenties when it comes to a target retirement in late 50s or early 60s that money invested in the early years can represent 80% of the final portfolio due to the power of time on your side.

Imagine having invested in Asia 40 years ago and what that is worth today.  Many growth funds are up on an annual compound basis of over 20% per year!  Paying yourself first and investing that money before you part with the rest of your paycheck can result in a very comfortable longer term wealth building strategy.

Richard Cayne part of the Meyer International Ltd and Meyer Asset Management Ltd has been consulting individuals in Asia for over 17 years and currently resides in Bangkok Thailand.

Guide to Private Banking by Richard Cayne

Private banking refers to a group of tailor made services which are meant for private customers and feature highly tailored services and products in comparison of the services being offered to the retail customers. It can be very suitable for certain high net worth individuals who require more than just the traditional solutions.

Many banks offer the private banking solutions to their affluent customers along with securities safekeeping, mutual fund and hedge funds as well as structured products and leveraging capabilities. According to certified financial consultant Richard Cayne, the private banking relationship is characterized by personalized service. The wealthiest customers are provided with a dedicated financial manager or advisor who looks after and manages the portfolio of the client either on a discretionary basis meaning where the banker has full authority over the account or non discretionary where they need the clients consent on each trade.

Private Banking Solutions Catering to Various Needs

Private banking solutions may be suitable for individuals with certain level of wealth. They may be families, professionals, entrepreneurs, private investors or public sport or media figures who desire that extra level of confidentiality and discreetness which such wealth management solutions may offer. After achieving a certain level or wealth, some individuals may require professional, experienced and useful financial advice from someone who has extensive experience in the financial sector, says Richard Cayne Meyer International in Thailand. The private banking solutions cater to different types of needs.  These services also help you to manage your international portfolio wherein you have assets in different global locations and you need expert and genuine financial advice. Private banking platforms may also offer the ability to help you leverage your portfolio using your existing assets without the need to liquidate them in order to invest in other areas.

In most cases, private banking is offered to the customers who possess a net worth of more than US$5 million.  This minimum level is targeted so that the banker may have ample flexibility to customize and tailoring suitable financial solutions and appropriately diversified investment choices.  Private banking is certainly a competitive space these days and in Asia the fastest growing region would be in Singapore as all the 1st tier and many 2nd tier banks have representation there.

Catering to The Demand Of Clients

European private banks in Asia need to create more products catering to the specific needs of their Asia based clients.  Various reports and studies have indicated that Asian based clients are more likely to be looking for higher growth and performing investments over European clients who are more interested in preservation of value rather than really trying to grow it.  Richard Cayne who worked in Tokyo Japan for 15 years and at Meyer Asset Management Ltd says that his experience with Japanese clients suggests that Japanese contrary to popular belief as being very conservative and happy to accept a near zero yield in bank deposits are actually quite aggressive when it comes to the high net worth clients.  Japan based clients seem to have a healthy appetite to alternative investments into hedge funds and structured products.  Having many relationships in Japan who see this as an opportune time to change their Yen which is currently at the top end of its trading range and very strong to US$ opens the world of investment choice as the majority of global investment opportunities are in US$.

Whether one is looking to preserve wealth or grow it significantly private baking platforms may offer the tools to achieve your goals.

Richard Cayne is currently Managing Director of Meyer International Ltd in Bangkok Thailand and like Meyer Asset Management Ltd having relationship with over 200 global financial institutions is also part of Asia Wealth Group Holdings Ltd which is listed on the PLUS stock exchange in London UK.

Richard Cayne Meyer International On Basic Tips For Newbie Investors

All of us have witnessed the constant volatile state of the global economy over the last couple of years. The same capricious economical state has kept back many investors from investing.  One must question if waiting for that perfect time to invest is the correct method for investors to take or if the risks of missing the best days in the markets while waiting has a greater impact. Richard Cayne, Managing Director of Meyer Asset Management Limited’ servicing operation Meyer International Ltd in Bangkok says there are better ways.

Since risk is a part of life instead of trying to avoid risk which is impossible one should try and learn about risk management.  Investing is all about understanding the risks inherent to each investment and how to evaluate them as to whether they are a good risk reward or a poor risk reward investment.

Richard Cayne has been teaching Japanese clients on risk evaluation and financial planning for the past 17 years and can say firsthand after living in Tokyo Japan while working at Meyer Asset Management Ltd that Japan based investors have a somewhat biased outlook on market recovery theories as the Nikkei 225 the main index in Japan has been on a loosing streak for over 25 years.  This is far greater a cycle than traditional model cycling of 3-5 years before recovery.   A few  basic tips can be key to understanding risks.

Acquire Knowledge & Be Information Resourceful

The primary fear that arises into the mind of a first-time investor is lack of appropriate financial knowledge. Those who have got a passion for learning and a hunger for information will definitely acquire knowledge from every possible source. Having wide financial knowledge and being resourceful has its own advantage. So ideally get well informed in terms of financial basics.  Thankfully these days information can be gathered easily off the internet but it is not all to be relied upon as there is much misinformation out there as there is good information.  Richard Cayne at Meyer International Bangkok can certainly confirm this point as for example Japan based investors search for reliable consultants there is much disinformation put out on the web by competing companies who try to confuse individuals into believing what they want them to believe.

Offshore Consulting

According to offshore financial consultant Richard Cayne, and particular for Japan based residents there are no consulting firms in Japan who are legally allowed to advise on intermediate or sell offshore funds which are not registered for sale in Japan.  It is a non authorized business by the Japanese regulators because in order for any licensed financial firm to be able to sell or arrange investment to an investment that investment must be registered for sale with the Japan FSA through a Japanese securities firm.  There is no Japanese financial licensing that permits a sale of an offshore non Japan registered investment and so many agents who are Japan based may try and have you believe that they are authorized to do so because they have a financial instruments exchange license from the regulators.  This does NOT give them permission to sell or intermediate any offshore fund non registered in Japan under any circumstances and the regulators are very clear on this point.

As in similar way private Swiss banks offer a world of choice in investments but there investments are not registered in Japan for sale and as such this is one reason ALL Swiss private banks who used to have an office in Japan have since over the past few years pulled out.  Of course they all still have their Japanese desks to service Japanese clients in Switzerland, Hong Kong, Singapore to name a few as this way they can assist clients without contravening any laws.

It’s not easy to get good advice off the web these days as so many firms pay big money into online advertisements and blogs that don’t offer an objective and always truthful view.

Richard Cayne Says Stay Objective and Don’t Follow the Herd

Investing your hard earned money is an important part of your financial planning and your family’s future relies heavily on your ability to intelligently access the world of choices out there.   Therefore access to good information is the most important first step you can take for your financial plan.  Meyer Asset Management Ltd via its servicing arm Meyer International in Bangkok Thailand has been offering solid consulting with accurate and in depth information to help clients make the right choices for their financial future.

The Meyer Group of companies is a wholly owned subsidiary of Asia Wealth Group Holdings ltd which is a listed company on London UK’s PLUS stock market.

Discover the immense advantages of Hedge Funds with Richard Cayne via Meyerjapan.com

Hedge funds can be referred as skill based investment strategies which get returns from the exclusive strategies/ skills of the trader. These privately offered investment vehicles involve high net worth individuals who invest in a portfolio of diverse assets which can include along with traditional investments into stocks and bonds, commodities futures contracts and derivatives.   

As hedge funds offer the ability to make money in both a rising market as well as a falling market they offer an uncorrelated to equity or bond market return advantage. In these funds, trader skill plays a very important role as the Hedge funds need to be managed regularly and actively.  It has been observed that Hedge fund returns are also widely actuated by changes in credit, market volatility or other market factors. Therefore, one’s returns can be referred as a blend of manager skills and return based on their strategy.

Investors should remember that every hedge fund return series follows its own approach for manager selection, investment style and performance target. According to hedge fund consultant Richard Cayne, one of the important advantages of Hedge funds is that it provides returns which are NOT based on equity market direction.  This can be a very attractive way to reduce volatility in ones portfolio and increase the return of it at the same time.  

There are immense benefits of Hedge funds and writing them all in one short synopsis is nearly impossible. However to begin with, let us say that Hedge funds possess the capability of reducing risk of portfolio volatility and provide for potential portfolio returns in those economic conditions where bond investments or traditional stocks provide confined opportunities. Hedge funds can help their investors participate in a wide array of newer financial products and markets.   Richard Cayne having worked in Tokyo Japan for over 15 years and as financial advisor at Meyer Asset Management Ltd comments how Japanese have a strong liking to hedge funds.  While it is true that hedge funds can make money in falling markets they can loose as well and so Richard cautions investors both Japanese and international alike to really understand how that respective fund will make money and under what conditions.

Hedge funds can be open-ended and that’s why the investors are able to invest with a certain amount of liquidity which may vary depending on the type of fund or investment pool.  For example a hedge fund with investment into real estate should be less liquid than one that invests into foreign exchange which is a much more liquid asset class.  Hedge funds can have lockups that range from monthly to yearly or longer so investors must look into if this fits into their liquidity needs.

Meyer Asset Management Ltd.’s Asian based servicing arm Meyer International Ltd in Bangkok opines that the most significant benefit of using Hedge funds is that these funds possess the ability of providing positive and profitable returns in different market environments regardless of equity of bond market returns. Another important reason behind popularity of Hedge funds is that these funds have the potential of decreasing the long term portfolio risk with the help of additional asset classes. That’s why those looking for low risk and high returns can always take help of Hedge funds.  

According to Richard Cayne Meyer International in Bangkok, adding Hedge funds to a financial investment portfolio results in more robust diversification to a traditional stock and bond portfolio. Hedge funds also provide much greater flexibility and ability to benefit from various global markets.

Meyer’s Richard Cayne Comments on Simple & Effective Tips to Capitalize in the Falling Market

According to the observation of some great present day economists, the markets can stay as volatile as they have been over the past few years for the next few as well. The financial markets are quite irrational and we never know what lies in store for us tomorrow. When there is economic crisis or when the market falls many of us feel extremely discouraged and the urge to liquidate investment holdings take a hold.   This is the wrong way to look at it says Richard Cayne of Meyer Asset Management Ltd

Richard Cayne at Meyer International the Asian based servicing operation for the Meyer Group emphasizes that there are certain simple and effective tips which can help you survive in the worst economic crisis situation and in times of market downturn.

Keep Your Fears Away

The first tip for any investor who is going through a market downturn is to keep emotions out of it and stay confident and clear minded so you are best able to evaluate what to do next.  For example it may be time to add more to existing positions and average a lower cost basis for those holdings.  Think buy on sale and that you are really getting a discount if you believe the investment has good long term potential. 

Save As Much As You Can

For many people it might sound too difficult or nearly impossible. But the experienced financial consulting company, Meyer Asset Management Ltd via Meyer International in Bangkok consults people to save as much as they can especially in the time of economic downfall. When the asset prices go down, saving money will help you out in the long term as you benefit from the double down effect of buying more of that investment with the same amount of money.

Understand That Occasional Market Draw Downs Are Normal

Do not overreact when an economic slowdown occurs or when a market falls suddenly. Just as an experienced and intelligent investor or businessman would do you should always remember that such situations are parts of the normal business cycle.  Try and take advantage of the declines in the markets instead of hoping they don’t come. Certified investment advisor Richard Cayne having lived in Tokyo Japan for over 15 years has been telling Japanese investors to embrace market downturns as a buying opportunity.  Consider if you had invested just after black Monday in 1987 or more recently the financial crisis in 2008 bottom you would be in significant gains even in today’s relatively depressed market environment.

Keep Some of Your Powder Dry

For those who kept some of their assets in cash reserves waiting for the financial markets to get really depressed and then deploy this cash this is a great strategy and one which more people should follow.  Instead most people sell low and buy only when the markets look all positive and at their heights again.  Everyone knows buy low sell high but most investors end up buying high and selling low as they let their emotions take control.  Richard Cayne having worked at Meyer Asset Management Ltd in Tokyo Japan has firsthand recollection of how most Japanese invest and has been consulting them on strategic investing ever since.  Japanese take a little too long to decide on an opportunity and sometimes miss it.  On the other hand they don’t panic as much as many other nationals and are not so quick to sell out of a position just because market influences force it down as they know it may be temporary and could very well soon rebound to new heights.

Invest In the Good Times and Bad

Therefore Richard Cayne Meyer International suggests a well thought out financial plan and sticking to it is extremely important.  Understand that markets will gyrate and learn how to capitalize on such movements keeping sight on your overall goals and objectives at all times.

Richard Cayne is Managing Director at Meyer International in Bangkok Thailand and like Meyer Asset Management Ltd is also part of Asia Wealth Group Holdings Ltd a listed company on London UK’s PLUS stock market.