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					    How to get the best
Savings & Investment plans
                           Fast Facts
Why are more people joining savings & investments plans?

a) Saving for retirement
b) Saving for a child’s education
c) Accumulating short term and long term wealth
d) Taking advantage of the global economic downturn


                            Top Tip

    Make sure your investment strategy aims to exceed the
   low interest rates offered by banks and the high inflation
                rates affecting the cost of living
                           Fast Facts
How to develop a Strategy?

a) Understand your current financial position




                           Top Tip

     Make sure your financial consultant offers you a free
                  financial needs analysis
                         Fast Facts
How to develop a Strategy?

a) Understand your current financial position
b) Define your investment objectives




                          Top Tip

        Make sure your consultant illustrates how your
     objectives can be achieved and how your savings and
    investment strategy may develop in the years to come
                          Fast Facts
How to develop a Strategy?

a) Understand your current financial position
b) Define your investment objective
c) Compare the market



                           Top Tip

     Your consultant should search the market for you and
       provide a comparison of the plans that meet your
              personal needs and circumstances
                           Fast Facts
How to develop a Strategy?

a) Understand your current financial position
b) Define your investment objective
c) Compare the market
d) Negotiate additional incentive bonus


                            Top Tip

    Make sure your consultant is able to negotiate incentive
          bonuses of up to 50% on your investment
                          Fast Facts
How to manage your plan?

a) Incorporate Risk Management Techniques




                           Top Tip

   Make sure your consultant includes Risk Management
   techniques within your financial strategy:

   - Diversification
   - Dollar Cost Averaging
   - Time as a risk moderator
                         Fast Facts
How to manage your plan?

a) Incorporate Risk Management Technique
b) Review and evaluate your performance




                          Top Tip

    Make sure your consultant provides you with regular
   evaluations and details of your investment performance
                           Fast Facts
How to manage your plan?

a) Incorporate Risk Management Technique
b) Review and evaluate your performance
c) Adapt strategies to your changing needs and market
   environment


                           Top Tip

       Make sure your savings & investment plan has the
    flexibility to adapt to your personal circumstances and
       that your consultant provides you with options to
                        maximize success
                           Fast Facts
How to choose the best consultants?

a) Experience & qualification




                           Top Tip

      Make sure your consultant is IIQE qualified and can
     demonstrate a history of helping people achieve their
                     financial objectives
                           Fast Facts
How to choose the best consultants?

a) Experience & qualification
b) Services & costs




                            Top Tip

     Make sure your consultant doesn’t charge you for the
     services they provide. They should offer free financial
        consultations, market comparisons and advice
                                  Top Tip
                  For a free financial consultation, market
                  comparison and to get the best deal on
                         Savings & Investment plans,
                                   contact:




Alliance Insurance Services Limited
Tel: (852) 2891 8915
Email: enquiries@alliancegroup.com.hk

www.alliancegroup.com.hk

				
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posted:5/29/2010
language:English
pages:12