The Importance of Diversification

One of the golden rules of investing is to spread your money across a range of different asset classes. This approach means that if one or more of your investments rise you will benefit but, if they fall, there should be a degree of protection because, hopefully, some of your other holdings in different asset classes will be going up in value. However, diversifying doesn’t mean shortening the period of time you invest over. You should be thinking long term (at least five years) for all your investment allocations.

Read More

Understanding risk and return

Most investment decisions revolve around the risk and return conundrum. Taking on more risk can mean potentially higher returns but there’s also a greater chance of losing money. On the other hand, less risky investments may provide you with more secure returns, but these are likely to be lower.

Fundamentally, risk relates to the potential financial losses associated with a specific investment or investment strategy and there are a number of obstacles you are likely to come up against as an investor.

Read More

Inheritance Tax and Estate Planning

Inheritance Tax (IHT) can be incredibly complex but very effective, and early planning can minimise its impact on your estate. In this video, Obi Nnochiri, Head of Technical Consultancy at St. James’s Place, discusses the valuable tax-saving allowances and opportunities that are available before 5 April. This video is particularly useful for our UK expats in Hong Kong.

Read More

China’s Economic Slowdown

“The idea that China is slowing down because of trade frictions, there obviously is something to it, but it’s not quite as simple as it may seem at first glance.”
Dr. Nicholas Lardy of the Peterson Institute for International Economics explained the multiple factors behind China’s economic slowdown at the National Committee on U.S.-China Relations’ recent Forecast of China’s Economy for 2020 event. Watch the video for his full analysis…

Read More