Today, Tomorrow and Forever
Grow, manage and protect your wealth for yourself, your family and beyond
Our approach to wealth
Our wealth planning considers your situation, background and needs. Here are some examples.
Dual-income family with 2 children in school
Investor's goals - Children's education and retirement
Today’s needs - Emergency funds
Portfolio - Highly liquid investments such as cash equivalents, fixed income instruments, equities, mutual funds
Tomorrow’s needs - Children's education and retirement
Portfolio - Multi asset growth portfolio, equities, regular savings plans, life insurance, pensions
Forever's needs - Creating wealth for next generation
Portfolio - High growth portfolio, trust
Today, Tomorrow and Forever allocation - 10% Today, 80% Tomorrow, 10% Forever
Business owner with spouse and 2 grown up children
He reinvests profits into the business and owns investment properties.
Investor's goals - Wealth transfer to children and support philanthropic interests
Today’s needs - Supplement living expenses
Portfolio - Cash equivalents, fixed income instruments, equities, mutual funds
Tomorrow’s needs - Retirement
Portfolio - Multi-asset growth portfolio, life and property insurance
Forever's needs - Wealth for children and transfer of business interests
Portfolio - High growth portfolio, trusts, wills
Today, Tomorrow and Forever allocation - 40% Today, 30% Tomorrow, 30% Forever
4 additional considerations for business owners:
1. Excessive concentration
Many entrepreneurs take as little income as possible, and funnel as much money as they can back into their business. If you are
predominantly invested in your business, your portfolio is concentrated. You should consider diversifying to manage and reduce risk.
2. Managing lumpy cashflows
Businesses may not have stable and regular cashflows, forcing you to account for lean periods by holding excess liquidity. As you may not be able to contribute to a savings plan regularly, revisiting your financial goals regularly is important.
3. Future of the business
It’s critical to plan for what happens to your business after you leave, both from an ownership perspective as well as the running of the company. Having a detailed succession plan is important to ensure a smooth transition.
4. Key-person risk
Many privately owned companies depend on the founder. Ensuring that your business can continue to operate if you are unexpectedly unable to contribute is an important risk-mitigant to have in place.
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