Asset Allocation – Diversify For Financial Success

Smart and intelligent asset allocation decisions can help you gain financial success in the long run. That is why one should be quite mindful, alert and careful while making any such decision, says Richard Cayne Meyer International in Bangkok Thailand. The power of asset allocation comes from reducing risk while increasing returns. Reducing risk by combining multiple asset classes, however, is not a simple process. While each asset has its own unique measure of risk, many assets share similar price behavior (their prices go up and down together in any market). Combining such complimentary investments increase the risk of wild changes in price. Trade-offs between asset risk and expected return must also be considered. High yield assets typically experience high volatility, or large changes in price. These assets must be balanced by investments with lower rates of return to protect against large declines in value.

In the opinion of Meyer Asset Management Ltd’s Asian based servicing arm Meyer International Ltd in Bangkok Thailand, successful asset allocation requires finding the proper mix of assets to balance reward with an acceptable level of risk. Proper allocation planning requires asset research and investment analysis. Fortunately, tools are available to assist the independent investor. Popular financial websites offers independent investors help with educational links and software to build portfolio allocations based on a survey of financial questions. For advanced investors, many books have been written to painstakingly explain the theory and practice of asset allocation - also called MPT (Modern Portfolio Theory). Casual investors can purchase mutual funds specifically designed to automate asset allocation based on an expected retirement date. Careful and practical investors can explore the many financial planners and advisory services that offer asset allocation portfolios specific to their needs.

Getting exposure to asset classes like real estate, bonds, stocks, commodities, currencies, as well as geographic diversification all make sense as part of a well balanced portfolio but how are these asset classes correlated?  That is how do stocks in Japan move when stocks in America move down and what happens to the price of gold or oil as all this happens, how stable is real estate when real estate bubble bursts and stocks are going down at the same time?

Look to investments that consider such questions in their investment philosophy and are taking advantage of such opportunities.  It takes development of ones knowledge base into different asset classes that will help grow and protect your assets into the future and increasingly so going forward, says investment portfolio consultant Richard Cayne. In America and Europe only wealthy investors (or high net worth clients with over $1M in invest able funds) can access certain investments like hedge funds or private equity investments and this is consistently a growth area for the rich so if you want to grow your portfolio or maintain it you must start thinking and learning like high net worth individuals overseas who are not afraid to take calculated risks that make sense.  After all there is no point in being ultra conservative and keeping money in the bank earning near zero rates when inflation is running at 3-4% per year as that means your portfolio is running at an inflation adjusted loss and your wealth is disappearing year after year.  Also, it is unwise to expose your portfolio only to Japanese equities (which haven’t really made any gains over the past 10 years unless you have been an exceptional stock picker) when you can diversify it into varying asset classes spread into different geographical areas. Such diversification will give you a truly balanced and hedged portfolio.

As important as asset allocation is for most people, there is a direct correlation between how worried they are about retirement income, and how much they can actually do about it. This is because the more worried you are, the closer you probably are to retirement, and the less time you have to do anything - like save up. Effective 'saving up' requires time. Time so your money can grow. Save an extra $2000 a month, three years before retirement (at age 62), and you'll amass a grand total of $78,870 (averaging 6% growth). Not likely to have a big impact on your retirement lifestyle.

But what if you invested for retirement when you were NOT worried about it? What if you, say for easy figure's sake, $2000 per month. Assuming, average compound rate of return is 6%.)

According to Meyer International in Thailand, instead of starting to save when you start worrying about retirement (at age 62), and amassing that grand total of $78,870 by age 65, you start saving when you're NOT worried about retirement (at age 45) so you end up with, wait for it, --- $911,290 !

What will $911,290 do for you at age 65? It would provide you with $4560 in additional monthly income for the rest of your life (continuing to average 6% growth), and you won't have to touch your capital. Or, perhaps, you could choose to retire earlier!

Consider your options carefully. Each solution offers its own set of advantages and disadvantages. Pick a style that closely reflects your own. Just how important is asset allocation? It's the single largest determinant of your long-term financial success says Richard Cayne at Meyer International in Bangkok, Thailand.

Asset Correlation as Part of Your Portfolio

Everyone’s a genius when it comes to portfolio management in a bull market as we have experienced in the late 90s and 2003 to mid 2007 but lately the importance of diversifying ones portfolio to asset classes that do not move in the same direction as equities are growing more and more important and especially so in recent times where stock markets have started move volatile and people are realizing losses in areas that they thought would continue to gain in momentum for some time to come, explains Richard Cayne.

Asset allocation is a critical component of investing success. Both research and academic studies show asset allocation to be single most significant factor in determining your financial goals. Allocation influences both the total long-term return and risk of your investment portfolio. Other factors such as security selection and market timing account for a very small percentage of your investment returns. Unfortunately, the most important decision to achieving financial success is also the least understood.

What is asset allocation? Richard Cayne Meyer International sheds light on difference between asset allocation and diversification. Most people confuse asset allocation with diversification. They believe it has something to do with making multiple investments among groups of similar assets. Ask investors to list the assets in which they would consider investing. Typical answers include "growth stocks", "bonds", "large caps", and sometimes "international stocks." But their diversification is limited to selection within one asset. For example, someone choosing to purchase technology stocks may invest in five or six companies - but all within the technology industry. This reduces risk if one of the companies should fail, but is useless when the technology industry (or entire stock market) slumps.

As per Meyer Asset Management Ltd’s Asian based servicing arm Meyer International Ltd in Bangkok, asset allocation goes beyond diversification to reduce risk across all type of financial assets (cash, stocks, bonds, commodities, real estate, and even venture capital or hedge funds). Investments and risk can be divided further into subcategories of stocks including large-cap, mid-cap, small-cap, value vs. growth, and international vs. domestic. Similarly, bonds can be divided into subcategories of short-term, and long-term, tax-free, high yield, convertible, emerging markets, floating rate, and international vs. domestic. Multiple combinations allow investors to allocate their portfolios into a number of asset classes and categories.

Adding high risk asset classes and investments to a portfolio may seem risky. But combining assets that behave differently, or even opposite to each other, both increases the return and lowers the risk of an entire portfolio, says investment management consultant Richard Cayne. For example, international stocks are considered "riskier" than domestic stocks. Yet, we often see the prices of U.S. stocks go up on the same day prices of international stocks go down -- and vice versa. We call this negative correlation. Profits from one asset balance the losses from another. Combining international and U.S. stocks actually lowers investment risk by reducing daily price swings of our entire portfolio.

History demonstrates many markets exhibit similar negative price correlation. In a slumping economy, bonds vastly outperform stocks as interest rates drop. In an overheating economy, inflation helps generate stellar returns in the commodities market. But timing such events is unpredictable, and the variability of returns represents risk to any investor. Choosing to purchase only stocks, only bonds, or any single asset class increases the risk of losing money if that market under performs.

10 Perfect Tips for Perfect Personal Financial Planning

Richard Cayne in Thailand emphasizes that personal wealth is not achieved in few days. It is the result of your continued efforts which you have been making over an extensive period of time. A comprehensive, stable and efficient personal financial planning can help you out in building wealth for your future, it can also reduce your fears and can insulate you from risky times. Here are the 10 steps which can help you have a better personal financial planning.

1. Do Your Own Research & Enhance Your Knowledge

It is very essential to conduct your own research and enhance knowledge on personal financial affairs before assigning your investment decisions to any financial advisor. Without having any prior and adequate knowledge, it can be very risky for anyone to take any investment decision. So read good finance articles (online and offline), consult your friends who are into this field, gain information, think wisely and then take help of financial experts like Meyer International in Bangkok.

2. Analyze Your Savings & Income And Set An Objective

The income which we earn is variable, indefinite and subject to changes all the time. The only thing which we can take command of is to control our expenses. The formula here is to have as much income as you can by monitoring expenditures. Always remember that we can invest only what we save. So spend cautiously to maximize savings. 

3. Determine Your Personal Risk Tolerance

Assessing your personal investment returns and tolerances is an essential component of proper personal financial planning. It has to be remembered that investment can never be free of risk and everyone expects good returns out of the investment which he/she has made. But on the other hand there are few people who are ready to face big risks that can be expected while looking to high returns. So learn to understand how to identify risks and look to minimize them.

4. Have Proper Diversification 

In reference to diversification, it has always been said that one should never place all one’s eggs in one basket as it can be extremely risky. Diversification is the key to a perfect portfolio and to proper financial planning.

5. Set Your Personal Asset Allocation Aptly   

For every individual, it is a tough and complicated decision to set personal asset allocation along with the analysis of risk tolerance. Taking help of personal financial advisor Richard Cayne in Bangkok can be helpful in this regard. In fact, the asset allocation should be considered as an amplification of diversification rule only.  

6. Intelligently Choose Your Financial Investments

One must choose and decide on financial investments taking the above risk considerations in mind because numerous options are available but which ones are correct for you. The factors which can increase more or less effect on risk adjusted returns should be studied and analyzed carefully.

7. Decrease Your Investment Expenses

Experienced investors know that there can be some known and unknown costs or taxation involved in an investment. Therefore every investor should cautiously control such investment costs looking to minimize fees and taxes when possible so that net returns can be maximized.

8. Guard Against Financial Risks

Various insurance policies are purchased by individuals but it is important to set a priority while doing so. It is undeniably true that sudden disastrous incidents can change and disturb one’s life. Therefore the most rational insurance purchases like that relating to life, disability, property should be considered on a priority basis.

9. Manage Your Investment Management Time 

Time flies and even before we blink our eye the scene in front of us can change quickly.  What is meant here is that financial planning and relevant decisions are lifelong procedures as the global economy keeps on changing, markets keep on changing and that’s why you need to manage your investment management time too so that you can devote other time on other things of interest.

10. Take Help of Experienced Financial Advisors

When you are done with your own personal financial analysis and needs, it’s now time to seek help from financial experts like Meyer Asset Management Ltd in Bangkok who can provide competent and professional consulting to help you tailor your personal financial plan so that it fits with your goals and aspirations.

Understanding Private Banking

Providing wealth management and private banking solutions to high profile clients has, now-a-days, become one of the most coveted businesses of banks. Private banking involves focusing upon the client’s portfolio including assets like traditional equity and bond investments, real estate holdings etc. All these assets are managed by personal financial advisors.

The advisors possess a wide knowledge base of finance and relevant financial matters and aid their clients in issues like tax, financial planning, retirement etc by providing helpful and precious advice. But as far as the high net worth clients are concerned, they need something more than just the conventional solutions and this is possible through private banking solutions only.   

What is Private Banking?

Private banking can be defined as a set of customized services tailored for private high net worth customers. These services reflect a higher quality in comparison of services offered to other customers. Private banking services are often extended to customers who have got liquid assets of more than $250,000 but typically US$5,000,000 or more.   

There is a logical and convincing reason behind why these services are provided to high net worth individuals. For these high net worth clients  more tailored and bespoke solutions are created to provide better options, flexibility and this in turn, permits the banker to tailor make certain financial solutions which involve a far more diverse universe over which clients can make money from.  Clearly as private banking high net worth clients have higher sums to invest a higher level of service is offered to them.

Role of Financial Consultants

Financial consultant like Richard Cayne is expert on identifying private banking solutions and their expertise can be seen as they make direct comparisons on private banking solutions offered by some of  the major global players.

These experts consult on highly personalized private banking solutions and their established, reputed and worldwide network helps their clients gain access to such a diverse range of information.
The high profile clients can also get the assistance through personalized services in which a financial manager/expert is personally assigned to take care of the management of client’s portfolio.  

Conventional Banks & Private Banking

A vast array of products is offered by the banks to its customers so that their financial requirements can be met up easily and satisfactorily. Such products may include the ability for the investor to create his/her own portfolio of investments but wants a professional to manage / administer it.   Stockbroking, loan, Mutual fund, hedge fund access services and structured product sercives are but a few of the services one can expect to be able to receive.

Private banking solutions provide a blend of financial products to their clients and these financial products are especially customized as per the requirement of such wealthy and eminent clients. According to Richard Cayne Meyer Asset Management Ltd, these financial products may include investment portfolio management over different currencies and various types of investment products.

Figuring out the Future

At some point in everyone’s lifetime the need to organize ones finances becomes more important.  Whether it be for children’s education, retirement planning, property purchases or succession planning to leave monies to your next generation it is important to address such matters as early as possible so as not to leave anything to chance.  Most people put off planning for these extremely important life events because it is challenging to figure out how much one will need for life events with changing variables all the time.  Such variable could include inflation, geo political or in the case of retirement, how long will one live, the length of ones working career, the company pensions, National pension and will there be enough in there for me?

How much money will I need at retirement?  It’s a hard question to answer as there is no one formula that will apply to everyone. However, taking advice from an experienced financial consulting company like Meyer International in Bangkok can help you out. A generation ago things were a little easier.  Provision for retirement seemed a simpler matter as their lives were less varied, the welfare state more stable and medical technology was more limited.  Now people are living longer, economic and technological developments changing.  Going forward, each individual will determine their own picture of retirement and will be responsible for financing an increasing and ever more expensive share of it themselves.  The earlier one gets planning for retirement the better and picks an amount of money that will provide you for a good life 20-30 years after you retire. 

When starting your planning process as a 1st step, ask yourself about your own wishes and goals.  How and where would you like to live in your later years?  Is there something you have always wanted to do but not had the time?  What really makes you happy?  Does my spouse have the same ideas as I do and how does he/she think about such questions.  Of course the answers to such questions are very individual.  Maybe live in the country or in the city and then another country part of the year, maybe you want to move abroad entirely?  Hawaii, Thailand, Europe?  The point of such questioning is to become aware of what is important to you. 

Second step involves analyzing where you are financially and what it will take to accomplish and fund your retirement activities.  Time to get out the pencil and balance your living activities today while making sure there is enough put away to balance out retirement activities.   Add up the costs of the current housing expenditures, insurance, food, healthcare, insurance, household necessities, vacations, cars, air flights etc. If you think that perhaps when the children are not there there may be more available, let’s not forget that you may be traveling more in retirement days and so the bills go up there, the costs of healthcare that could severely escalate in the event the Social systems are no longer as they are today.  Once adding up these costs you may get an idea of how much you will need on a yearly basis but how do you provide that income when you are no longer working?

According to certified financial planner Richard Cayne, one needs to do some clear planning on how to finance such activities taking into what annual income will be available when you retire based on current conditions and then discounting that in case conditions change.  Certainly the two biggest factors are that as medical advancements progress and people are living longer means that we have to be able to finance those extra years somehow.  As people are living longer and the global population is aging *particularly so in Japan* there is ever more burden on the social pension systems with less people paying into the pot and more people drawing on it.  To be very prudent discounting the benefits one might expect from social pensions by up to 80% would be a safe bet.  On top of this all add to it inflation which some say at 2% per year but with rising food, energy commodity and labor costs rising at a very fast pace 3% would be far more conservative.

To calculate the amount of personal investment capital that is needed to finance your later years assuming your personal investments are well diversified you can potentially expect to average annual returns of 5-8%.  If for example an investor wants to fill the yearly income needed at retirement of ¥30,000,000 based on an annual drawdown rate of 5% he or she would need capital of ¥600,000,000.  Now you should get an idea of how much you will need for retirement funding.  The reason a twenty times multiple has been used is because it is assumed one can get an 8% yearly return on ones portfolio and with 3% going to inflation leaves one free to drawdown the 5% for their income needs.  In this way ones portfolio can theoretically carry on and you can succeed the entire amount to your loved ones without having diminished it yourself over your lifetime.

Finally drawing up a financial plan to build up to your goal should be done carefully and with the help of specialists like that of Richard Cayne Meyer Asset Management Ltd who can help you develop your personal financial plan and then help implement and review it periodically to make sure it changes to suit your ever changing conditions.

Principles of Successful Investing

The 10% Rule

Perhaps the most important piece of advice that can be given to any young person when they first begin earning their living is to practice the “10% Rule”, also known as the ‘Pay yourself first Rule’. Richard Cayne in Bangkok suggests that before you pay any bills, go to any restaurants, buy your favorite CDs or computer games, pay yourself 10%.  That is 10% of your monthly take home pay, without fail, without exception, should be set aside for the long-term.

Time

Life plays tricks on us.   When you are in your 20’s it is difficult to conceive that you will one day be as old as your parents.  It is natural to believe that you will always be young - wrong! Get real because life is going to go faster than the speed of light and if you don’t get your act together right now, you will be in your 50’s before you know what’s hit you with little to show for all those years that disappeared in the blink of an eye.

The financial consultant Richard cayne, says that they have seen many people who sadly are going to be in a poor financial state- because they didn’t pay themselves first!

The early years are crucial, just look at these numbers. At 25, you might imagine that you would like to retire at 55, some 30 years away.  Great,  Plenty of time to save for that. Oh yeah? Don’t you believe it.  Probably you will get married and have kids. Not an unreasonable assumption would you say?  So who is going to pay for their education, food, clothes and all the other demands of parenthood?  This little joy is going to last at least 20 years and believe me if you are not following the 10% rule……

So, how many years do you have for You?  Probably 10 at the most, say the next five years and not again until the kids are off your hands in 20 years time.  So these next few years are absolutely crucial to your long term financial well-being.

The Magic of Compound interest

So, you’ve followed the 10% rule and with a bit of good investment advice from a Financial Consultant, after five years you have accumulated, say, $100,000. Family commitments have now taken priority and no matter how hard you try there is just no way you can pay yourself.  Don’t panic - let compound interest do the work for you.

Let’s say your nest egg is now invested with an annual return of 8% compound. The rule of 72 says that you divide the rate of return into 72 and the answer will be the number of years it takes to double your capital. Every 9 years at 8%.

So, if you are now aged 30, $100,000 will become $200,000 at age 39, $400,000 at 48, $800,000 at 57 but by this time the kids will no longer be such a demand on your wallet and you will probably have started back on the 10% rule again and have accumulated perhaps a $1 million by age 55 - and all done with little effort on your part - just imagine what the numbers will be if you take the matter of wealth creation really seriously.

Investing offshore

So just where do you invest your 10%?  Richard Cayne Meyer International opines that if you are overseas from your native land, you would be advised to take full advantage of the Offshore Investment industry.  This first came about with the expansion of the British Empire and even now it is the British offshore market that is favored by financial advisers.

It is perhaps the most financially sophisticated and, even more important, the most secure. It is situated in both the Isle of Man, in the middle of the Irish Sea and Guernsey and Jersey, known more commonly as the Channel Islands and a lot closer to France than the UK. Though Dublin and Luxembourg are now granting favorable tax treatment to offshore investors.

The investment companies have established themselves as Life Insurance companies to take advantage of the complete freedom from taxation afforded to them by the relevant State Governments. Furthermore,  holders of the insurance company ‘products’ are protected by legislation in the event of the collapse of a company. Depending upon the company’s location, up to 100% of your investments will be returned.

Richard Cayne Meyer International - One of the Top Financial Consultants in Asia

In order to achieve your financial goals and objectives successfully you need to consult a financial consulting company which is experienced, established, creative and updated. Once you discover such a consultancy you will be in a better position to take control of your personal financial wellbeing. If you are looking for one such financial firm that can provide you with excellent guidance, top class advice and can provide you with solutions for all of your financial matters then you should look into the services of Richard Cayne Meyer International, one of the top financial consulting companies in Asia.    

Meyer International in Bangkok is an independent financial consulting company which provides a wide array of financial services. It works with top class financial institutions around the world and consults private as well as corporate clients on financial planning affairs. As an individual, you can consult this company for managing your finances as it will consult you upon how to plan, invest and manage your wealth.

The consultants at Meyer Asset Management Ltd’ asian servicing arm Meyer International Ltd based in Bangkok Thailand are highly skilled and experienced and assist their clients with financial planning. Be it the details of offshore investment or proper financial planning, these experts have got appropriate answer for all your queries. These financial planners are proficient in services related to portfolio construction, regular savings, hedge funds, mutual funds, health insurance or life insurance. The other important service areas of this reputed financial company which make them stand apart from their competitors include retirement planning, personal wealth management, education fee planning, protection planning and many more.        

No matter the size of your portfolio, Meyer International’s financial specialist Richard Cayne will provide you with a tailor made financial plan which will suit all your planning needs catering to your financial requirements. If you are in search for a panel of experts which can tell you all about offshore investments than contacting Meyer International will be a perfect decision. Be it tax sheltering or tax planning, this efficient company will help you find suitable answers under one umbrella.      

Investments need not be risky decisions when you have the support of expert advice and experience, this risk can surely be diminished.  This is what Meyer Asset Management Ltd’s Asian based servicing team at Meyer International Thailand do. They help explore your requirements and needs and after careful analysis help you implement a sound financial strategy for a better and more secure financial future. This company also guides those who are completely new to the field of investment and don’t know where to begin. Having clientele from all corners of the globe, this company proves that its services are outstanding and remarkable which can prove beneficial for anyone who is serious about having a strong financial plan.

An Insight into the Advantages of Offshore Investment

Many renowned financial consulting companies like Richard Cayne Meyer International can guide you well about how to step into the world of offshore investments.  However before you do so, you should learn about the options available.

Meyer Asset Management Ltd’ Asian based servicing arm Meyer International Ltd in Thailand can clarify all your doubts regarding offshore investment and can consult you professionally on how to look at offshore investments and make the most of them as it relates to your situation. Richard Cayne Meyer International possesses all the essential experience and proficiency which can help any investor to produce outstanding results, no matter what their portfolio size is. Meyer International in Bangkok can give you an A to Z guide into the world of offshore investments and tells how they can benefit an investor.  

What Are Offshore Investments?

Offshore investing simply means to look to invest outside of one’s home country or one’s country of residence which can sometimes lead to favorable tax planning opportunities. Also there are usually many more choices for the internationally minded investor than in typical onshore markets. In addition most offshore locations have a very favorable tax regime with usually no tax within the territory meaning that with proper planning individuals can take advantage of legal tax saving opportunities.  Contrary to popular myth most offshore territories are very well regulated with high level safeguards for investors and strict anti money laundering policies.

Asset Protection and Wealth Management

Meyer Asset Management Ltd servicing arm Meyer International Ltd in Bangkok Thailand says that asset protection and wealth management tops the list of reasons why people choose to go offshore. The investors show interest in such investments because of two important factors. First, they get high level privacy and protection through the financial centers situated offshore. Secondly, firms operating in offshore jurisdictions are generally very good at serving clients who are internationally based as they typically have 99.9% of their client base living overseas so they are already geared up to dealing with clients living in different countries in different time zones. With the help of Richard Cayne offshore investments, huge wealth can be managed easily as well as profitably.   

Individuals may turn to offshore investing and benefit from having their wealth managed professionally having protection on their assets. The point worth mentioning here is that offshore investing is completely legal and profitable way to protect and grow your assets.

Tax Reduction 

Legal tax planning and avoidance is different to tax evasion which is not legal and is not recommended. That is why those seeking ways for tax reduction and asset protection can always opt for offshore investments as this is one of the best legal ways for doing so. It is so because there are many countries around the globe which approve and accommodate foreign investors. Again with proper tax planning one can carefully observe the rules and regulations of his/her respective jurisdictions and take advantage of all the benefits offshore territories and investing may offer.

Richard Cayne Meyer International on Significance of Health Insurance

If, presently, you do not have any health insurance you should definitely take a deep look into the importance of a proper health plan. The reason behind is that health insurance can have an obvious effect on one’s health, life and of course, finances as health insurance is one of the basic yet much essential components of anyone’s life planning.

Importance of Health Insurance In A Nutshell

According to personal financial specialist Richard Cayne, with the economy in the shape it's in, many people around the world have experienced or currently experiencing financial difficulties within their portfolios. If you want to save yourself from falling into the labyrinth of financial struggle due to potentially large expenses one may experience from healthcare risk, health insurance can prove to be a true savior. If a person has a health insurance plan he will not act haphazardly in situation of sudden health risk and will be able to get the promised reimbursement in case of any severe medical claim. 

Why You Ought To Have Health Insurance?

Just ask yourself a question. Can anyone, in this capricious life, provide the guarantee that a person will always stay healthy and will not face any kind of accident? No! No one can provide any such guarantee, says Richard Cayne, Managing Director of Meyer Asset Management Limited. As a matter of fact, anyone can fall ill anytime or anyone can face an accident anytime. One should not expose themselves to such a financial risk and having adequate insurance will address this concern.

It is an obvious fact that to recover from illness or serious injuries anybody needs medical aid and the truth is that good healthcare has become very expensive. The medical bills may pile up high in front of you and can be extremely damaging to the financial planning of your family. To avoid such a situation we need to have a good health insurance plan.

Any reputed and established financial consulting company, like Meyer International in Bangkok, can analyze your needs and budget and can suggest a good health insurance plan for you. Such a plan gives you the satisfaction and the assurance that you and your entire family is now prepared should the unthinkable happen in future. An adequate insurance plan should provide for your family should any member become ill or need to seek medical treatment and not just emergency only planning. 

The harsh truth is that accidents happen every day everywhere and those who are unprepared are taking a major risk for them and their families financial wellbeing. The house rent, monthly installments (if any, car, house etc), children’s tuition fees, grocery refills and many other necessities of life are unavoidable and if one becomes physically disabled, things might get worse. The only way out is to have a proper health insurance plan so that you can prepare yourself for the worst and hope you don’t need to use it.

When Should You Seek Help of a Financial Consulting Company?

By choosing a good financial consulting company you can secure a much better future for you and your family. The ostensible and experienced financial consultants are very well acquainted with the knowledge of financial planning and investment and they can prove to be true assets for providing great help to anyone, be it individual or group of individuals in form of business. Though some people can easily identify their needs of consulting financial consultants, there might be some who are oblivious when to seek such help and support. This article sheds light on some very basic yet significant situations, which when faced by anyone, suggest the need of visiting a financial consultancy. 

No One Is Best Able To Manage Their Own Finances And Everyone Can Use Some Professional Help  - Analyze yourself and find out yourself how successfully you are handling your financial issues. If you have been trying for long to manage your finances but have not been successful to your own satisfaction in doing so it’s time to see reputed and respected financial experts like that of Richard Cayne Meyer International. These experts will provide ideas on how to aptly manage your finances and take good control of your financial life.  

If You Are Unable To Take Financial Decisions – Regardless of being big or small, financial decisions need to be taken by every one of us at some point of our lives. Furthermore, taking wise financial decisions become even more viable when you are an individual running your own small business or you are a big business owner or a common man who has got the whole responsibility of managing the finances of your family. Check out if you have been postponing some of your investments for the sheer fear of making critical errors or taking wrong decisions.  If you think that you do not have the potential of taking all the right financial decisions you can always consult Richard Cayne Meyer international which will provide you all the necessary help and support in this regard.     

Getting Help On Your Financial Matters – There are different types of financial matters and despite our years of experience we might get confused as what to do and what not to. In such a scenario we need advice and the financial expert like Richard Cayne of Meyer International are accomplished at offering useful suggestions. They can explain convincingly on how to have an efficient and lucrative budgeting that can fulfill your needs and can ensure profit. If you wish, they can provide expedient advice on any of your financial matters.  

All the above situations demand help and support from an acknowledged and trusted financial consulting company like Richard Cayne Meyer International which will provide perfect solutions for all your financial problems.

Richard Cayne of Meyer International Ltd based in Bangkok Thailand.  Meyer International Ltd is the Asian based servicing arm for Meyer Asset Management Ltd a world renowned financial services company having ties with over 150 major global financial institutions.  Meyer Asset Management Ltd is a wholly owned subsidiary of Asia Wealth Group Holdings www.asiawealthgroup.com listed on London UK’s PLUS Stock Market.

Explore the Benefits of Consulting with Richard Cayne Meyer International

The present world has been witness to problems of global economic crisis and recession as well. As long as the global economy moves smoothly, everything looks alright and works well but as soon as there is some sort of downturn in economic activity, we all experience economic crisis and its adverse effects. So is there a way out to stay safe in such dire straits of economic turndown? Of course, there is a solution in form of apt financial planning. 

Not only the corporate giants but all businesses as well as individuals need a suitable financial plan to secure their future financially. Companies and firms which are specialized and seasoned in financial consultations can lend you a helping hand and can help you plan for the future. One such company is Richard Cayne at Meyer International the Asian based servicing agent for Meyer Asset Management Ltd. So before time runs out and makes us stand in a chaotic situation, let us explore and benefit from the immense advantages of consulting from this reputed financial consulting company.

Providing financial guidance for different situations – Life is completely unpredictable and therefore we all need to prepare ourselves ahead of the future and strengthen for different sorts of situations. Such strength can be experienced only when you have future financial security and planning mapped out.  This is where Richard Cayne Meyer International can help you out. This independent financial consulting company provides perfect guidance for proper financial planning and also tells you about how to deal financially with situations like life after retirement, life after marriage or divorce, education fee planning for children, buying a new house or managing money for general wealth creation.    

Provides future financial security – Planning your future from a financial perspective is not a cake walk. You ought to get experts’ advice which will let you plan in the right manner. An experienced, established and reputed financial consulting company like Meyer International will tell you about convenient and commodious ways of how to invest your money and how to have the best future financial security and planning by using your assets and available resources to their fullest. 

Provides custom tailored plans – Richard Cayne Meyer International also briefs you about custom tailored financial plans and lets you look and explore the world full of advantages of custom tailored plans. The experienced and savvy experts of Meyer International will closely examine your resources and will investigate what kind of custom plan can best fit your financial needs and capabilities. 

Helping you take the right investment decisions – There are circumstances where you need to invest wisely and carefully. Sometimes you are required to cope up with financial crisis because of some unfortunate occurrences like severe illness and therefore you need invaluable financial guidance for your investment decisions. Moreover, when you have got to take important decisions like buying a business or selling it, taking right investment decision becomes indispensable. The professional investment consultant richard Cayne,  possess the ability and experience of guiding you in the right way so that you can avail maximum benefits from your action of investment.
  
Helps you set clear & beneficial future financial objectives – Many of us are unable to set our financial objectives clearly because we do not have the required knowledge for the same. A good company like Richard Cayne Meyer International will act like a financial planner for you and will help you set achievable financial objectives which will give you peace of mind through proper financial planning for your future. As the world’s economic climate keeps on going through various ups and downs, therefore financial planning becomes quintessential for individuals as well as for all sorts of businesses. Apart from the above benefits, this consulting company provides many other financial consulting services too. 

Richard Cayne is Managing Director of Meyer International Ltd based in Bangkok Thailand.  Meyer International Ltd is the Asian based servicing arm for Meyer Asset Management Ltd a world renowned financial services company having ties with over 150 major global financial institutions.  Meyer Asset Management Ltd is a wholly owned subsidiary of Asia Wealth Group Holdings www.asiawealthgroup.com listed at London UK PLUS Stock Market.

It's time to step forward with Meyer Asset Management Ltd

It's time to step forward with Meyer Asset Management Ltd

The best Asian financial services now have a new home in Bangkok!

The best Asian financial services now have a new home in Bangkok!

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