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.