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“Successful investing is about managing risk, not avoiding it.”
Benjamin Graham
INVESTMENT VOCABULARY
Stocks
Bonds
Unit Linked Funds
Structured Products
ETF
Hedge Funds
Alternative Investments
Cash
Cash
There are two alternatives with cash:
1) It can be placed on deposit at the bank or even in “certificates of deposit”.
- This offers the lowest potential return when compared with the other types of classical assets such as stocks, bonds, ETF’s & funds.
- Generally, the longer term of cash investment the higher return can be paid.
- It has the lowest risk which can help investors to achieve their short term goals.
- Depending on the nature of the account it can be quite liquid and easily accessibly. However, it may be impossible to withdraw or an early surrender fee will apply if encashed before the end of the fixed term.
- It pays a fixed income, depending on the term, which gives a bonus uplift of interest over the current bank base rate.
- The terms of the investment are optional and can be chosen at the start of the deposit.
- If the interest rate the investor receives is lower than the inflation rate, then the value of the money will be lost in terms of spending power.
2) It can be kept in an original way as people have done with cash for thousands of years – cash cash. It can be stored at home in a safe or placed in a current account with the bank.
- Keeping money in cash at home can be quite dangerous.
- The current accounts are normally very flexible and there is no lack to access the money.
- There is no interest paid so money will be loosing the value all the time.
- Cash should be considered as a ‘defensive’ asset which can be used for emergency needs and for the regular expenditures & cash flow!
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Importance
The importance of asset management is often underestimated when markets perform well, as investors, being happy with returns, often ignore the underlying management considerations being taken.
When the markets go through a period of volatility, emotions and confidence can fall and rise with the markets themselves, losing patience, investors often make the common mistake, off hastily selling when the markets look bleak.
Mithril’s allocation process is designed in such a way that the client’s portfolio is consistently aimed at achieving the target set out by the client, no matter if the markets are showing positive returns or are going through uncertainty.
Designed for you, the investment strategy will always balance your key objectives, with your attitude to risk, accounting for your current personal circumstances.
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Mithril’s approach in designing a portfolio is based on one simple facet — to meet the client’s financial objectives & aims.
They understand the uniqueness of every client and design a portfolio which is centred around the principal that no two client scenarios are the same and therefore no two portfolios are the same!
Working independently allows them to choose most asset classes from practically the entire investment universe including stocks, bonds, structured notes, ETFs, hedge funds and commodities.
Bringing active management allows Mithril to ensure that whatever is your appetite or aversion to risk they construct a diverse portfolio focused purely on your objectives.
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