The offshore space is littered with ‘orphan clients’. But what is an orphan client? Aviva, the UK insurer, says it is someone who hasn’t had contact with an Advisor for five years. That, I believe, is too restrictive. There are any number of African offshore clients who can be properly called orphan clients, and the […]

Financial planning helps you determine your short and long-term financial goals and create a balanced plan to meet those goals. Here are nine powerful reasons why financial planning – with the help of an Adviser – will get you where you want to be. Cash Flow: Increase cash flows by carefully monitoring your spending patterns […]

It’s fair to say investing has an image problem. If you’ve never invested before, you may think you need to be an expert or have a lot of money. Yet when you start to separate the myths from reality, investing is now more accessible than ever. Myth 1: It’s too risky Yes, there are risks […]

When it comes to preparing for retirement, many of us know that we could be doing more. But now a new report has highlighted the extent of that shortcoming, with the majority of savers set to miss their retirement goals by at least 50%. Standard Chartered, in its “Wealth Expectancy Report,” found that 56% of […]

For its Muslim clients, Caravel Partners can offer investment into a wakalah contract in which the investment itself is based in the UK and offers USD/GBP profits. But what IS a wakalah investment? The word “wakalah” has several meanings including looking after, delegation, authorization, preservation and performing a task on behalf of other. Technically, wakalah refers to […]

An investor’s guide to government bonds Investing in government bonds is another way an investor can seek to grow their portfolios. Use our guide to learn more about what they are, how they work and what’s available on Smart Investor. Who's it for? All investors In simplistic terms, government bonds are IOUs issued by a […]

Fund fact sheets often show investment ratios.  But what do they mean? There are five main indicators of investment risk that apply to the analysis of stocks, bonds and fund portfolios. They are alpha, beta, r-squared, standard deviation and the Sharpe ratio. These statistical measures are historical predictors of investment risk/volatility and they are all […]

Life insurance is not about the policyholder; it's about the peace of mind and financial support it provides to loved ones after the policyholder's death. What is life insurance? At its core, life insurance is protection that will provide money to your loved ones and dependants after you have passed away so that they are […]