Risk and Return

Risk is the probability an investment would not give you the outcomes you want. For example, you may expect your investment to grow but its value falls or is lost entirely. In another scenario, you may expect regular interest of 10% but interest payments fall to 5%. Or you may expect to be able to…

Investment related terms you should know

Below is a list of terms that are frequently used in investment together with their significance TermDescriptionAnnual Management ChargeAdministration charge to cover the services provided. The charge Is usually a percentage of the total fund value.AnnuityAn annuity uses a member’s accumulated pension fund to provide payments at regular scheduled intervals upon retirement.Annual Percentage RateAn annual…

Our New Investment Menu

Our new Investment menu … a truly comprehensive, educational, interesting, and enjoyable reference tool. We welcome you to explore Gemma’s resources and reading and we hope that each journey will prompt you to question, learn, explore more and share that knowledge with others. Investing: your introductory guide When do you start investing? What to ask a…

Initial Coin Offerings

Initial coin offerings (ICOs) are a way for developers of Blockchain technology to raise development funds. ICOs have been used to raise hundreds of millions of dollars for blockchain-related projects, often with limited information about their goals. ICOs sound similar to initial public offerings (IPOs); however, they are not the same and usually do not…

Financial Loss Prevention When You Invest

get the ball rolling Investments vary a great deal from one another and the opportunities available to invest in a flourishing economy are numerous. Each broad investment type—from bank products to stocks and bonds—has its own general set of features, risk factors and ways in which they can be used by investors. Risks are two-fold: There…

When do you start investing?

When you know your needs, your goals and your risk tolerance. When you have done an investment plan, outweighing different types of products, and choosing the one that best suits you, among many alternatives. When you have checked all the charges involved. When you have got plenty of money in your cash savings account –…

Investing: Your Introductory Guide

Investment … to put money to use; financial products are something you buy or put your money into to get a profitable return; such as compound interest products. The simplest way to save is to put a sum of money aside and continue adding to it periodically. However, money saved in this way is not…

Crypto currencies

Increasingly, have you been hearing more and more about crypto-currencies? … which is one form of crypto currencies, has become part of our language.  Yet most of us do not know what crypto currencies are and how they work. This is a link to a short BBC feature which explains in a simple manner what…

What to Ask a Financial Adviser

towards a financial plan and products that are right for you now and in the future If you decide to see a financial adviser, especially if it is your first encounter, you should plan in advance by pulling together your relevant paperwork, your financial goals and a list of questions to ask. An advisor will…

Common Investment Scams

Understanding the importance of saving and planning for retirement alone does not suffice. Such a clear vision shall guide us to analyse all alternatives, make clear decisions and take actions in making the most of our savings / investment for an ultimate financial reward at retirement. Investment helps to promote growth. It’s money put to…