How to create an investment plan

A simple investment plan can serve as a useful guide to building long-term wealth, but it can be tricky knowing where to start.

Here, we take a look at some key considerations that may help you decide where to invest, and develop a long-term strategy, depending on your personal goals.

Bear in mind, though, that whatever your investment plan, there are no guarantees of making gains. The value of your investments can fall and you may get back less than you paid in.

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What separates our financial planning from others

Financial Planning services are as plentiful as blades of grass in a park, and in certain regions with fewer regulations like Hong Kong can subject clients to exploitation and abuse. Many financial advisers come from a background in sales, and so you can never be quite certain if the service they provide is dedicated to your future wellbeing or theirs.

So what makes Phoenix Waters Wealth Management different, and how can you be assured to place your trust in us? Read on to find out.

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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.

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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.

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