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

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

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

Decide Proper Asset Allocation

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

Choose Right Funds

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

Monitor Constantly

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

Take Help of Financial Advisors

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

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

Richard Cayne & The Meyer Group On Offshore Investing

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

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

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

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

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

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

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

Meyer International On Top Tips to Build Wealth

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

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

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


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

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

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

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

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

Guide to Private Banking by Richard Cayne

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

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

Private Banking Solutions Catering to Various Needs

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

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

Catering to The Demand Of Clients

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

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

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

Richard Cayne Meyer International On Basic Tips For Newbie Investors

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

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

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

Acquire Knowledge & Be Information Resourceful

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

Offshore Consulting

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Keep Your Fears Away

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

Save As Much As You Can

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

Understand That Occasional Market Draw Downs Are Normal

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

Keep Some of Your Powder Dry

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

Invest In the Good Times and Bad

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

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