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.

Richard Cayne Meyer International on Investment Principles

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

Tie Your Investments to Your Time Horizon

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

Regular Saving or Dollar Cost Averaging

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

Diversify For a Balanced Portfolio

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

Take Control of Your Portfolio Today

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

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

Richard Cayne Meyer International Ltd Protect & Grow Your Wealth

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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.