Richard Cayne on Active or Passively managed Funds ? Does it really need to be either or could it be Both?

 

Active or Passive? Does it really need to be either or could it be Both?

With all the economic turmoil, issues and virus concerns seemingly everywhere you turn, in markets all over the world, many people are trusting managers of active investment products. Why pay higher fees for players in a rigged, or at the very least an incredibly tumultuous, game? Passive investment managers charge lower fees whose decisions are dictated by a pre-determined structure and strategy.

“This is a very black and white point of view that will do your investments more harm than good,” says Richard Cayne of Meyer International. Richard advises his clients to carefully consider both strategies – they each have their pros and cons, and they both can be part of a profitable financial plan.

What is active investing?

An active investment manager is actively engaged in deciding what and when to buy and sell. This sounds simple, but it is actually a very complex, involved commitment. The manager must research extensively and be able to quickly absorb and analyse market data to make decisions that will beat the market. Considering all the variables that affect a financial instrument, this is a profound undertaking. This is why active investment managers charge higher fees. But how well do they perform? In recent years, not so well. According to Morningstar’s Active/Passive barometer, active funds have been underperforming passive funds, especially over longer time periods.

So why bother with them? Under certain conditions, active investing can pay off very well. Before you hand your money decisions, do some research. Is the manager an expert in the fund sector or emphasis? If the strategy is too general, this usually does not bode well for active management. Also, success with this strategy often relies on being first in to profit most. In more developed markets, this is difficult since there is literally a wealth of information available. Emerging markets and sectors will often require specialised access and insights that can help active investing thrive. Also, active investing can respond immediately to sudden changes in the financial world, like the recent Brexit vote.

What about passive investing?

While active investing relies on an individual analysis of a specific dataset, passive investing looks to the overall performance of a certain group of equities or debts. Passive investing focusses on a certain index like the S&P500 or the DJIA or a set exemplar from a specific sector or exchange. Then investments are chosen that match that given group. The idea is that while it may be hard to predict a single investment that will beat the market, the market, whatever that may be, will perform consistently and, in times of loss, will eventually correct and profit.

So, while passive investing may not reap huge returns, it offers the possibility of dependable, constant returns that investors may feel they have more control over (since they will know at any time what investments are being made).

Now, what to choose?

So, there are many variables that can affect both strategies, for good and for bad. It would then not be wise to write off one for the other. When making any financial decision, all possible scenarios and options should be weighed, from how much risk you want to take to whether you believe certain sectors or markets are worth special attention.

“You really need to be realistic about what type of returns you’re expecting from your portfolio over a set time period,” Richard Cayne counsels. “Both active and passive investment strategies have their place, you just need to be thoughtful about what their places are for you. A good financial advisor should be able to work with you and help you plan appropriate allocation.”

“Also, a lot of people forget that their investment decisions are not set in stone,” Richard adds. “Markets fluctuate, so should you. There’s no need to make adjustments at every report of a downturn or potential economic hiccup, but you definitely should revisit your portfolio regularly with your advisor to make sure it reflects market trends and your risk appetite.”

For more information on this or any other financial topics, please contact Richard at Meyer International in Bangkok Thailand.

RICHARD CAYNE featured Seven Hills Japan Private Banking Continued

As featured in the Seven Hills magazine August 2007 edition; Private Banking services are not anymore reserved exclusively to the very wealthy explains Richard Cayne of Meyer Asset Management Ltd financial advisory in Tokyo Japan.  These days there are many options over Swiss private banks such as Life insurance companies or banks outside of Switzerland who are also based in tax neutral jurisdictions where they do not impose tax for non-residents of the area.  A Private bank account really offers in addition to advisory services a custodial account within which you can hold various assets such as stock, bond, mutual funds and hedge funds all within and from one central location.  Many offshore based Life insurance companies offer this custodial service at a very reasonable price with lower fees as compared to the traditional Private Banks making them a very good alternative.

Seven Hills magazine’s readers are High Net Worth Individuals in Japan

RICHARD CAYNE featured Seven Hills Japan Commodities Inflation

As featured in the Seven Hills magazine September 2008 edition; Commodities says Richard Cayne of Meyer should play a role in everyone’s portfolio to some degree as they can offer diversification into an asset class which is usually associated with hedging inflation risk. Normally over time commodities will keep pace with inflation and therefore a worthwhile addition to an investment portfolio. Commodity investments can take many forms from mutual fund and ETFs to direct holdings i.e. gold bars.

Seven Hills magazine’s readers are High Net Worth Individuals in Japan

Richard Cayne Meyer International Ltd – Inflation Coming To Japan

There is no question that inflation is here and will affect the average Japanese living in Japan in a more pronounced way than ever before in history says Richard Cayne who had lived in Japan for over 15 years in the 90s right up to 2010.

Richard Cayne Meyer said “During my time in Japan what was 100Yen in 1995 was 100 Yen in 2010.  This is far from “normal” in that having first hand experience seeing the prices of goods and services move upwards over the years Internationally as compared to back in my home city of Montreal Canada over the same period I felt as though nothing changed in Japan as the prices in Japanese Yen never seemed to move up much at all.  A very big shock is coming to most Japanese now that the Yen is finally weakening and inflation is coming online.

Japanese may not deal with this so well as few are prepared for inflation and what it means for to them and their purchasing power.  Most Japanese do not understand inflation or why there is need to get their money working for them and why it is so important to try and keep up with or outpace inflation”.  Richard Cayne at Meyer International Ltd therefore strongly suggests that growing ones money is an extremely important part of financial planning since inflation erodes the value of your hard earned savings.

Richard Cayne Meyer states “It will probably take a few more years of inflation where the average Japanese realize they have lost between 15-25% purchasing power of their currency by keeping it in a low yielding bank or post office account.  By then many financial companies with get on the bandwagon with campaigns showing how it makes sense to invest their money into something that can keep pace with or outpace inflation.  Of course that is exactly what Minister Abe wants and Richard Cayne is sure he will get his way.  Until then most Japanese will still resist the idea of investing as they view it to be risky, however after a few years of loosing their purchasing value of their hard earned savings they will start to change”.   Already it is happening and the poverty line in Japan is being tested by low income earners.  This is a trend that will continue for some time says Richard Cayne.

As Richard Cayne Meyer was in Tokyo Japan over a long time period of time he truly understands how pronounced and unbelievable inflation will be to Japanese over the coming years.  Particularly with seniors and Japan being a world leader in aging populations who typically do not invest at all and keep their funds in cash or cash like financial accounts.  Yet they rely not only on income but the need to preserve the spending power of their wealth and there is only one way to do that which is to invest in income producing and inflating assets such as in real estate and stock markets.  Richard’s suggestion is that Japanese need to start investing sooner rather than later.

Richard Meyer Cayne originally from  Montreal, Quebec Canada currently resides in Bangkok Thailand with his wife Akiko Cayne and their two young children and runs the Meyer Group of Companies www.meyerjapan.com.  Prior to which he was residing in Tokyo Japan for over 15 years and is currently CEO of Asia Wealth Group Holdings Ltd a London, UK Stock Exchange listed Financial Holdings Company

Richard Cayne has been involved in wealth management  in Asia for over 19 years and has assisted many High Net worth Japanese families create innovative international tax and wealth management planning solutions.  The public company of which he is CEO can be seen at www.asiawealthgroup.com or stock exchange link http://www.isdx.com/Asia Wealth Group

Richard Cayne Meyer International – A Bubble Forming December 2013?

Over the past five years since November 2008, the U.S. Federal Reserve initiated its QE program over which time QE has become increasingly common in the global economic landscape notes Richard Cayne Meyer.

Other developed countries have emulated QE by launching similar programs, all of which helped cut borrowing costs and supported asset prices.

In fact, in the five years since QE took off, global equities have returned more than 15% on an annualized basis, treasuries close to 5%, and US high yield credit more than 20%.

This has been a great period for investment returns, but not so great for the growth of the global economy as many investors start to question the possibility of a bubble forming explains Richard Cayne at Meyer International Bangkok.

QE has distorted financial markets and, as a result, seems to have caused investor complacency.

The one month average level of bearish sentiment, measured by the American Association of Individual Investors is at levels last seen in early 2011 and 2012. On both occasions this level represented complacency.

Stock markets seem almost indifferent to whether fundamental economic data is good or bad, as support in the form of monetary policy acts as a safety net for investors.

This government intervention is occurring worldwide. Japan’s economics minister attempted equity strategy earlier in the year, setting a two-month target return of 17% on the Nikkei 225.

On the other side of the globe, ECB President Mario Draghi’s “do what it takes policy” in the eurozone implicitly guarantees positive returns on short-dated peripheral government bonds.

It is plain to see how investor complacency may arise from this powerful backing. Yet with investment returns having seen such a significant rise in the past five years, should investors prepare for an end to this upward momentum in the equity markets?

Despite concerns, this indifferent sentiment among investors has not pushed asset valuations beyond reasonable levels and Richard Cayne Meyer believe that to be very good news for investors.

Look at prices to earnings ratios in the equity markets, and at cyclically adjusted earning yields, it does not appear we are in a bubble.  The net result is a cyclically adjusted earnings yield of 5.4%. This represents about a 10% discount to the 20-year median yield of 4.9%, showing that after a significant rally over the last five years, share valuations are fair to slightly high.  Richard Cayne Meyer explains that the important point is there is scope for earnings to drive price appreciation.

Yet, investors should not expect a repeat of the 15% annualized returns they have enjoyed over the past five years.

Annual returns are likely to halve to around 7%-8%. Equally, it is highly unlikely high yield corporate bonds will continue to produce double-digit percentage returns.

Though a bubble does not appear to be emerging, investors should be aware that returns from equities may not be as impressive in the years to come, and inflation is also a risk.

Even moderate inflation could diminish returns for medium-term investors.

Although there will always be risks and warning signs to consider when investing in equities, Richard Cayne Meyer International believes we are not in the middle of a bubble in risk assets.

Richard Cayne Meyer a native of Cote St Luc, Montreal, Quebec Canada currently resides in Bangkok Thailand and runs the Meyer Group of Companies.  Prior to which he was residing in Tokyo Japan for over 15 years and is currently CEO of Asia Wealth Group Holdings Ltd a London, UK Stock Exchange listed Financial Holdings Company.  Richard Cayne has a long history in the wealth management area starting in Tokyo Japan and has assisted many High Net worth Japanese Families plan for future generations. 

Richard Cayne Meyer Market trends November 2013

Richard Cayne Meyer remarks that China's leaders have unveiled a series of reforms aimed at overhauling its economy over the next decade. In a statement issued after a closed-door summit, they promised the free market would play a bigger role.

A new committee will oversee internal security to guard against social unrest, and farmers will be given more property rights over their land.

The Communist Party leaders said markets would be allowed to play a leading role. State ownership would remain a pillar of the economy. Richard Cayne at Meyer International comments that if China really backs these statements up with substance we are looking at what could be the start of the next China bull run up over the coming few years.

"The core issue is to straighten out the relationship between government and the market, allowing the market to play a decisive role in allocating resources and improving the government's role," the statement said, Reuters news agency reports.

Investors trends showed that investors fled U.S. equities last week as the stock market hit record highs and a clutch of imminent policy meetings worldwide increase economic uncertainty.

Fund flow data analyst EPFR Global says $7bn was pulled from U.S. equity funds it tracks over the week ending 6 November and flows into global equities “heavily favoured” funds that don’t invest the US noted Richard Cayne at Meyer International in Bangkok Thailand

The S&P 500 hit its highest ever peak last week, before a sharp sell off toward the week’s end as worries crept in about the how much value was left in the market.

Next year will see the global economy grow faster than in the two years previous with developed countries leading the way, says BNY Mellon chief economist Richard Hoey.

Hoey describes himself as being “broadly optimistic” on the outlook for the global economy overall in 2014 and expects both developed and emerging markets will see better economic growth throughout the year, compared with both 2012 and 2013.  Richard Cayne at Meyer International Ltd comments that he believes the US will achieve a higher inflation because of all the money the Fed pumped into the system through monetary easing and can easily see much more upside to the equity markets.

However Hoey details that developed markets will be the main driver of this expansion, implying that the fall back in emerging market growth versus developed economies seen already this year could be set to continue.

He says: “The outlook for 2014 I believe is for a faster pace of global economic expansion than occurred in 2012 and 2013 and that acceleration is likely to be led by the developed countries.”

The “fading burden” of the global financial crisis is attributed by Hoey as one of several reasons why developed economies are likely to push ahead in 2014 along with continued stimulative monetary policy across different developed countries.  Richard Cayne Meyer remarks that a new secular bull run is already under weigh.

Richard Cayne Meyer originally from Montreal, Quebec Canada currently resides in Bangkok Thailand and runs the Meyer Group of Companies.  Prior to which he was residing in Tokyo Japan for over 15 years and is one of the founding members of Asia Wealth Group Holdings Ltd a London, UK Stock Exchange Financial Holdings Company. 

How to Decide Whether to Invest In a Mutual Fund?

Richard Cayne Meyer says that an intelligent investor is one who has the time and determination to do his own investment research or hires professionals to do this on his behalf. It is advisable to hire a good financial advisor like Richard Cayne, but most investors hire only managers through the purchase of mutual funds.Let us look at some pointers on when it is a good time to invest in mutual funds.

Finding An Unbeatable Fund

Richard Cayne Meyer says that the trouble is that most managers are not able to give their investors value for their money. At times, the fees charged are so high that it affects a fund’s performance.In case the fund is an index fund, and holds over 100 stocks, it is possible that its performancewould closely track its underlying index.

When You Have No Choice

When investing in mutual funds is the sole choice available to an investor, the decision is only to choose the most suitable fund. Richard Cayne of Meyer suggests that even in this case, one should begin by investing in an index fund, which is selected with after careful research and analysis. Many retirement plans would offer a mix of funds, and most likely lead investors directly into individual securities.

Other Considerations

Managed mutual funds often get a bad reputation as a group overall, however when combining with index funds, they can be very useful to diversify and to get varied coverage over numerous asset classes. Richard Cayne of Meyer says that for numerous international markets, especially new ones, investing directly is not always the most practical way to invest.One would better advised to paya fee for active investment advice covering mutual fund investments that specialise in smaller markets. Richard Cayne of Meyer says that strangely, many European markets are not investor friendly, and thus definitely need a professional manager, to manage your funds. All the complexities of a market can be easily taken care of by a good fund manager.

The Conclusion

It is suggested by financial advisor like Richard Cayne Meyer that before buying any mutual fund, an investor should do thorough research of the market and compare various funds. For investors who wish to have a broad understanding of the market and wish to work diligently, this kind of research is suggested. However, it is definitely simpler to focus on buying one’s individual securities. On the whole, it is sensible to invest in mutual funds. In certain cases, like described above, this might be the only choice available for an investor, and then Richard Cayne of Meyer says that it is best to figure out how to choose the most suitable one.

Why Mutual Funds Make Sense To Most Investors?

Mutual funds have been increasing in popularity over the past couple of years as investment vehicles due to a wide variety of reasons. Richard Cayne of Meyer, a leading financial consultant in Asia, offers insight into some of the top reasons that have made mutual funds a popular pick for investment portfolios and which could help new investors decide whether it is the right choice for them or not. Mutual Funds essentially work on the premise of a pool of funds that is collected from assorted investors, so that it can be invested in a particular security for periodic monetary gains.

According to Richard Cayne Meyer, one of the greatest benefits of investing in mutual funds is that it is managed by a specialist. Every experienced fund manager, or portfolio manager as they are called, has in-depth knowledge of the various securities available in the market for investment that would fit right in with the strategy of the investor. Such ready access to professional advice makes the decision-making process for investors that much easier. Richard Cayne Meyer mentions that with such instant access to a wide assortment of stocks and bonds, coupled with the expert advice of the portfolio manager helps investors benefit manifold as compared to if they were to invest in individual stocks.

Richard Cayne Meyer mentions that the second most important factor that makes mutual funds so lucrative is their liquidity. With the option to withdraw funds at regular intervals or even have them simply deposited into your bank account makes them an investment option that offers convenients.  In addition, Richard Cayne Meyer explains, that with the option to begin investing at as low as $250 a month, which can further be directly debited from your account or credit card, it can be fairly hassle free.

Richard Cayne Meyer goes ahead to mention that mutual funds offer diversification along with transparency, making them a sound choice for most individuals. Since the portfolio manager makes the decision to invest in certain types of securities on the basis of your risk tolerance levels, investment goals as well as various market pros and cons, it takes the edge off having to take the time out to research and decide how to create a balanced portfolio. Richard Cayne Meyer further adds that offer documents such as the prospectus offer in-depth details regarding the fund’s performance, fees, entry and exit load charges, shareholders and much more, giving investors a clear picture regarding what they can expect from their mutual fund managers and what kind of an investment they are getting into. Such clarity coupled with professional advice helps make mutual funds a sound choice.

Richard Cayne Meyer originally from Montreal Canada currently resides in Bangkok Thailand and runs the Meyer Group of Companies.  Prior to which he was residing in Tokyo Japan for over 15 years and is one of the founding members of Asia Wealth Group Holdings Ltd a London, UK Stock Exchange Financial Holdings Company. 

Richard Cayne Meyer - Multi-Asset Funds and Do-It-Yourself Mixes Compared

Multi-asset funds are simply a modern version of mixed funds. Mixed funds have been on the market for quite some time and are known to be more appealing than single asset based funds, since they offer you the benefit of diversification. A mixed fund, unlike a pure bond or equity fund, includes both these classes and various other types of investments. Richard Cayne of Meyer International explains that such inherent diversification of a mixed fund gives you the advantage of avoiding any major losses even if one asset class drops and tries to make sure or balance your portfolio so it can perform under all kinds of market conditions.

Richard Cayne of Meyer International comments that most individuals often wonder whether it makes sense to pay the fees associated with the management of multi-asset funds or not, here’s an evaluation. One of the most compelling reasons for putting together and managing your own multi-asset fund would be that no one might understand your goals and care for your assets like you would. This also involves having the liberty to pick and choose asset classes that appeal to you. However, Richard Cayne of Meyer International explains that this can be easily resolved by looking for a fund manager who is not only competent, but also diligent. This way, paying a professional who understands your goals a fee to look after your assets and bring in his/her years of expertise would make more sense.

Richard Cayne of Meyer International comments that some individuals are still not convinced whether the fee associated with multi-asset funds justifies the services offered by a professional manager. In order to evaluate the above, we would need to look into what’s at stake if you plan on actively managing your multi-asset fund. Two of the major factors to consider in active management are time and interest. Richard Cayne of Meyer International opines that if you are an individual who fervently follows the market and has a good grip on its various asset classes, then active management can actually work in your favor. For those who have the time and energy to keep a keen eye on the various asset classes of investment they may indeed become successful. However, Richard Cayne of Meyer International advises that individuals who do not have the time to invest in daily research and updates, hiring a professional will make better sense.

Besides the availability of time and inclination of interest, Richard Cayne of Meyer International mentions emotional detachment as a key element to successful portfolio management. While a fund manager will always make objective and rational decisions due to his/her training and experience, it can be quite difficult for you to keep your emotions at bay while taking important decisions. One of the strongest emotions to look out for is fear; the fear of bad economic weather, sudden volatility of the market, etc. can make you lose more than you gain. Therefore, individuals who are confident in their decision making skills and have the time and inclination to study the markets should consider self managing a portfolio of assets; however, for the others, a professional manager may be a better choice.

How to Recognize a Great Index Fund?

Before beginning to describe the indicators that help one narrow down to a great index fund, it is well worth taking a look at what exactly makes up such a fund. Simply put, an index fund has a portfolio designed to match or trace the components of a market index. Richard Cayne Meyer mentions a few examples of market indexes to include the Standard & Poor’s 500, the Russell 2000, DJ Wilshire 5000 and the MSCI EAFE (stocks in Europe, Australia and Far East).

Index fund investing is generally categorized as passive investing, since it requires very little research and knowledge on the part of the investor and still offers decent returns. Richard Cayne Meyer explains that the index fund was created to get rid of most of the variables that are almost impossible to overcome. Since an index fund buys all the assets on the given index such a fund primarily eliminates the risks entailed by manager selection, individual stocks and market sectors, leaving behind only stock market risks to deal with. However, Richard Cayne Meyer advises that this does not exempt index funds from all their variables and thus, the following guidelines should be observed in order to pick the highest quality funds for your portfolio.

Richard Cayne Meyer advises that index funds are essentially low-fee instruments, which means they are a great way of minimizing the expenses on your portfolio. However, he also goes ahead to warn that choosing to go with a particular index fund only because it entails a low fee is not the best strategy either. This is why it becomes necessary to take the following factors into account as well.

Whenever evaluating an index fund it only makes sense to correlate it to the market. For instance, if the S&P 500 went up 1.5% in the past six months and your S&P index fund only went up 1%, it might very well be eroding due to high fees. However, Richard Cayne Meyer suggests though there can never be a 100% correlation, one must study the results over a longer period of tim e. Richard Cayne Meyer further advises that one should avoid investing only in single asset or sector funds, such as funds that revolve around the index of only one country.

Last, but not the least, Richard Cayne Meyer advises that it is important to understand the index your fund will be following. For instance, the S&P 500 is an index that is based on 500 different stocks that represent a cross-section of the economy. With a plethora of indexes, and hence index funds out there, it makes sense to do a little analysis before making a final decision.

Is Term or Whole Life Insurance Suited For You?

In order to deal with life’s uncertainties in an effective manner, getting yourself life insurance coverage is one of the most prudent decisions you can make. However, with a host of policies out there it can be quite challenging to make a decision regarding which kind will suit you best. Essentially, life insurance policies boil down to a choice of whole life or term for individuals. Richard Cayne of Thailand’s leading financial consultancy firm Meyer International explains that while a term policy offers life coverage only, a whole life policy entails an investment component along with the term.

Richard Cayne of Thailand mentions that most individuals would find a term life insurance policy to suit their needs better than a whole life policy. In case of a term policy, the amount is paid to a named beneficiary in the event of the death of the insured. However, in case of whole life insurance, the policy money is also invested in financial instruments to build cash value in the meanwhile. Richard Cayne of Thailand adds that both types of policies allow you to lock in a monthly payment that shall continue over the life of the policy.

While initially a whole life insurance may look like a good deal with promises of the policy practically paying for itself after a certain period, the actual picture could be different. Richard Cayne of Thailand advises that whole life insurance policies may be more suitable for those who are looking at a tax benefit and prefer the more permanent type of insurance whole life policies offer. Richard Cayne of Thailand advises whole life policies to be beneficial for individuals who wish to plan and have provisions made for estate taxes.

Richard Cayne of Thailand explains that a term policy also is a cheaper option for those with good health and under the age of 50, due to their affordable premium terms.   So if budget is a concern as is certainly for younger families in their 20s and 30s term insurance does provide security for the family should the unthinkable.  However, Richard Cayne of Thailand advises that one should always look into the credit rating of the insurance company to ensure it is a of financial strength, since it gives you an insight into their claim-paying abilities. Also, the help of a professional financial advisor should also be sought by individuals who may just be starting out or have tax issues in mind.

Richard Cayne Meyer International Ltd resides in Bangkok Thailand.  He previously resided in Tokyo Japan for over 15 years.  The Meyer group of companies forms part of Asia Wealth Group Holdings which is a London UK listed financial services holding company.

Top Three Tips to Ensure Financial Security

Financial security is an important goal shared that everyone wants yet few are on the right path to realizing their goals. According to Richard Cayne of Thailand’s leading financial consultancy Meyer International Ltd, while most individuals would love to attain complete financial security, many of them do not believe it to be possible. However, Richard Cayne of Thailand explains that a few simple and strategic steps can help just about anyone to attain a state of complete financial security of which the top three are being discussed below.

According to Richard Cayne of Thailand’s leading financial consultancy Meyer International Ltd, the first and foremost tip to achieve financial security is to always have an emergency fund going. Whether your earnings fall in the category of modest or obscene, an emergency fund is one of the best gifts you can give yourself and your family, so that dealing with small roadblocks such as car problems to more serious matters such as the loss of a job do not cause much distress to your physical or financial health. Richard Cayne of Thailand further adds that to be able to avoid panic during a financial emergency is the best way to help maintain your financial health, since such emergencies usually affect individuals at least once in their lifetime, if not more, and need to be dealt with immediately. Once you have a sizeable emergency fund going, it is also recommended to go ahead and maintain a balance that allows you to cover 3-6 months worth of expenses.

The second most effective tip for attaining financial security according to Richard Cayne of Thailand is to start with the repayment of debts. Richard Cayne of Thailand advises that excluding mortgages  ( depending on the rate of interest ) repayment of debts at this time is a prudent step, since those generally require more time to pay off and tackling them straight away would be advised. He further adds that listing and repaying your debts according to size and interest rates is of utmost importance, since that is what will determine their order of repayment. Starting with those with the maximum interest rates is recommended.

The final tip on the list according to Richard Cayne of Thailand is to invest 15-40% of your income depending upon your age. While those in their 20s should look at saving 15% of their income, those in their early 50s or late 40s should aim at 40%. Saving and then investing a part of your income will not only allow you to enjoy a stress-free retirement, but if started early can help you build a considerable wealth for your future.

Richard Cayne, Meyer in Bangkok - When Should You Seek the Help of A Financial Consultant?

Most individuals are of the opinion that the services of a financial consultant are only needed by high net worth individuals; however, this could not be further from the truth. Richard Cayne of Bangkok’s top-notch financial company Meyer International Ltd says that every individual who has a steady source of income and would like to create wealth or simply secure a better future for his/her family needs the help of a financial consultant. The job of a financial consultant is not just limited to helping individuals manage their wealth; rather it includes helping them manage their finances better as well as create a financially sound future for their loved ones.

One of the first and foremost instances when an individual would require the assistance of a consultant is if they are unable to take financial decisions on their own. Irrespective of status, Richard Cayne of Bangkok’s top financial consultancy says that most people fail to make use of investment vehicles and grow their wealth as they are scared of making critical errors. For this reason, they keep postponing their investment decisions until they realize one day that it’s too late. Richard Cayne of Bangkok further says that instead of dealing with such confusion and wasting time, individuals must seek the help of a professional, who will not only help them optimize their savings, but also show them how they can create a financially secure future for their family.

Individuals who are very keen on investing their savings, but are unable to zero in on any particular vehicle, need to the help of a professional consultant. Richard Cayne of Bangkok says that most individuals have their hard earned money parked in low-yielding schemes for the sheer fear of taking risks. A financial consultant, adds Richard Cayne of Bangkok, is a professional who will not only help you understand the kind of risks that are appropriate for your portfolio, but also acquaint you with a range of investment vehicles that fit your risk-taking ability and profile while making your money work hard for you.

Last, but not the least, Richard Cayne of Bangkok is of the opinion that financial consultancies are for everyone. Whether you are a salaried individual or a high net worth businessman, everyone dreams of a financially secure future for themselves as well as their loved ones. A financial consultant will first assess your income and goals, and then go on to advice you on the best possible investment schemes that can range from mutual funds to offshore investments and even simple life insurance policies.

Richard Cayne having lived in Tokyo Japan for over 15 years is currently Managing Director of Meyer International Ltd based in Bangkok, Thailand.  The Meyer Group of companies are part of Asia Wealth Group Holdings a publicly traded financial company listed in London UK.

Get Best Insurance Advice with Richard Cayne Meyer International Thailand

The experience of more than 17 years is sufficient enough to explain the success story of Richard Cayne. Nobody can deny the fact that Richard Cayne Meyer International Thailand is one of the leading names of the investment industry of Thailand.

In recent times, life insurance is very important for every person. It is a time of uncertainty where nobody is sure about what is going to happen next. So, by taking the services of life insurance you can minimize the effects of risks. It is one of the reasons why life insurance makes sense in life. There are numerous long term benefits of life insurance which makes it so popular.

The services of many companies as well as consultants and agents are there to help you in making a selection of the best package of life insurance. But with the availability of so many options the main question is which company or consultant is better? The main objective of most of the consultants and companies is that they want to make money with your help. This is why they do not provide you unbiased and necessarily best advice. This is not the case with Richard Cayne Meyer International Thailand as they believe providing meaningful and correct advice to the customers is most important when you are offered the insurance services on an independent basis meaning they have no ties to any of the life companies.  This way you can rest assured you are getting the best product for your needs.

Currently, Richard Cayne is Managing director of the well known company Richard Cayne Meyer International Thailand. Before that he served as financial consultant for a long duration of 15 years in Tokyo Japan. He has assisted many people by providing them beneficial information and guiding them in choosing the correct options for insurance.

His quality work has brought an immense positive reputation for him which is extremely difficult for most of the consultants or agents to gain. During his great career, a number of people have benefited by his advice on different matters. Apart from this, they gain access to the various reliable and suitable choices for them.

Asset allocation, investing, planning of personal finance, financial consulting, hedge funds, private banking and offshore investment are some of the major topics on which one can get consultation from Richard Cayne Meyer International Thailand. So, it is a great option for you if you are in the dilemma of choosing the right insurance service. Richard Cayne can help you in making the right choice with the help of his experience of years and unblemished reputation. Thus you can pick the right path in the market. You will find a number of financial matters which are important to discuss plus his experienced advice will help you in gaining some important knowledge.

Richard Cayne Meyer International Thailand had worked in the city of Tokyo of Japan for more than 15 years before moving to Bangkok. Now he is working as managing director of the Meyer Group of companies which is wholly owned by Asia Wealth Group a UK stock market listed company in London.

Article Source - http://richardcaynes.wordpress.com/2013/01/11/get-best-insurance-advice-with-richard-cayne-meyer-international-thailand/

Advantages of Offshore Financial Advisers with Meyer Asset Management Ltd Tokyo

This is the age of technology. When someone has to find information about anything he just takes the help of Google. But they do not know about the fact that there are many blogs and posts which are full of false information. These blogs can misguide you to some wrong path. According to offshore financial advisor Richard Cayne, it is because of these blogs the people suffer from various troubles with investment.

Many of the firms related to financial activities in Asia do not perform the work in the desired manner. They misguide the customer and it leads to wrong decision by a person with the money he has earned with a lot of efforts. Richard Cayne also provides an example of the financial management system of Tokyo where he has worked as a financial advisor for than 15 years. According to him, the exchange commission only takes interest in the activities of large scale institutions in Tokyo. It is simply like driving at a speed of 150 kilometers per hour because you have a driving license which is actually not allowed. There are many companies which claim that they are licensed but in reality they are crossing the boundaries which are permitted to them.

Meyer Asset Management Ltd Tokyo was one firm in Tokyo which received inspections from the regulators which is a routine activity.   The FSA wanted Meyer Asset Management Ltd Tokyo to stay open but change their services to the point that its management felt there was no benefit to clients and therefore decided to close.

Meyer Asset Management Ltd. Tokyo was one of the main operational arms of Meyer Asset Management Ltd. Most of the clients of the firm are Asian and Japanese which also provide complete cooperation with Japanese regulators. Recently, the securities and the Japanese FSA announced a warning that they will not tolerate any type of solicitation of unregistered financial product sale in Japan. It does not matter the product is based in Switzerland, Hong Kong, Canada, USA, UK, Singapore, BVI or Cayman Islands. It also doesn%u2019t matter what license a Japanese entity holds they cannot sell or intermediate investments that are not registered for sale in Japan.

This example depicts how search made online can prove misleading and thus one is advised to meet regulators or council before going for any large investment.

Richard Cayne is working as managing director for the companies of Meyer Group which is a listed company on a UK stock market in London called Asia Wealth Group Holdings.  It is a very famous name in holding the command over financial services. 

Article Source - http://richard-cayne.blinkweb.com/1/2013/01/advantages-of-offshore-financial-advisers-with-meyer-asset-management-ltd-tokyo-ca926/