Insights

Are you the victim of poor fund performance? Is your investment portfolio continually falling to produce the returns you expected or were promised? Perhaps you have an underperforming pension fund and are worried about meeting your needs at retirement?

The decisions you make about how best to structure and invest your pension for drawdown over your retirement years, are likely to be amongst the most important financial decisions you will ever need to make.

Major offshore IFA's/financial advisors in Asia, the Middle East and beyond are misrepresenting their services in their marketing to prospective clients. Their websites refer to their professionals as 'financial advisors', 'financial planners' and other titles that create the impression that advice is the "essential service" being offered....

Many expatriate/offshore salesmen (financial advisors?) in Asia, the Middle East and beyond who claim to offer 'qualified' advice, 'tax-efficient' investments and 'award-winning' fund management have a lot of rhetoric intended to persuade you but in the end their action is totally different.

The offshore financial services industry is great at making you feel good while ripping you off. They're also great at confusing you so much that you can't even figure out how badly you're getting ripped off. To make smart financial decisions, you need to realize how your "advisor" is getting paid and how his pay structure may affect the advice...

Financial losses come in many shapes and forms and our clients rightly spend a considerable amount of time worrying about them but managing loss aversion poorly can make the long- term outcome even worse. It is important to pick the right battles, to trade off cost of protection with loss severity and to not lose sight of the ultimate investment...