Personal Investment Planning

Embed Size (px)

DESCRIPTION

 

Text of Personal Investment Planning

  • 1. Personal Investment Planning Disclaimer: The information contained in this document is intended only for use during the presentation and 1 should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents.
  • 2. Content Principles of Wealth Accumulation Investment Basics Traps & Checks Risk & Rewards Power of Compounded Investment Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 2
  • 3. Content Principles of Wealth Accumulation Investment Basics Traps & Checks Risk & Rewards Power of Compounded Investment Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 3
  • 4. Principles of Wealth Accumulation Meet Retirement Expenses Hedge Against Inflation Prepare for the Expected & Unexpected Minimise Taxes & Reduce Debts Beat Your Goals Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 4
  • 5. Principles of Wealth Accumulation Growth over time Compounded growth Investment vs Speculating Activities Investment Investment requires long term commitment Measured in years Grow money over time ahead of taxes & inflation Beat taxes & inflation More predictable returns (averaged) Speculating Short term Unpredictable returns Potentially very high or low returns High risk Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 5
  • 6. Principles of Wealth Accumulation 1. Retirement 2. Education Fund Rank Goals 3. Personal Wealth Accumulation 4. Capital Preservation/Inheritance 5. Business Continuity 1. Investment Term Short Term Time Horizon Medium Term Long Term 2. Point of Investment 1. Choosing the Right Investment(s) Effective Management of 2. Investment Methods Resources Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 6
  • 7. Managing Investments Know your own needs Understand asset classes Know how the market functions Structure a portfolio Take the plunge & monitor progress Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 7
  • 8. Content Principles of Wealth Accumulation Investment Basics Traps & Checks Risk & Rewards Power of Compounded Investment Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 8
  • 9. Investment Basics * Source: Securities Commission Malaysia - Figures quoted as at June 2005 Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 9
  • 10. Investment Basics Purpose of investment i.e. to achieve capital appreciation, high dividend yields or a consistent income yield over a period of time. Depending on the investors profile, net worth and financial situation whether it is the persons retirement savings, hard earned monthly savings or excess cash. Point of investment close to retirement, height of career & term of investment etc. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 10
  • 11. Investment Basics Choosing the Right Investment Time Horizon At what stage of the life cycle are you? How long to do plan to invest? Investment Objective/Goals Marriage Home Family Education Retirement Capital preservation & Asset Accumulation Planning for Uncertainty Risk Appetite How much risk are you comfortable with? What is your Investment profile: risk tolerance, age, liquidity, required rate of return, current income, capital preservation, inflation, investment horizon Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hwang-DBS Investment Management accepts no liability whatsoever with respect to the use of this document or its contents. 11
  • 12.