This article is brought to you by Infinity Financial Solutions.
It’s a common misconception that financial planners are expected to analyse and select funds within their clients’ portfolios. So what does a financial planner actually do? There are a multitude of factors to consider when building your personal financial plan, ranging from ensuring sufficient protection for the entire family, all the way through to inheritance tax planning to ensure you leave as much as possible to your loved ones, rather than the taxman. A financial planner is qualified to highlight the liabilities you face both now and in the future, calculate required targets to work towards for forthcoming events in your life, advise on the most suitable solution for each need, and monitor the progress along the way ensuring the goal remains on target.
There are a vast number of different products and solutions in the international marketplace which can be overwhelming going at it alone, so it makes sense seeking advice from a professional.
When it comes to the actual everyday management of the portfolio though, a financial planner simply does not have the time, resources or expertise to actively review asset allocation, sector and geographical exposure, and fund manager selection who add value over and above their individual benchmarks. In fact, the majority of fund managers actually destroy value against their benchmarks and you’d often be better off in a passive fund (ETF or index fund) instead, so it takes constant monitoring and research to ensure that any selected manager is consistently adding value net of their fees.
Unfortunately, many international financial planners fancy their ability at portfolio construction/management. We don’t. Infinity Solutions Ltd turn to award winning Wealth Managers Tilney Group to manage our clients’ portfolios. Tilney have a range of investment services each underpinned by a disciplined, rigorous investment process and delivered by some of the UK’s most experienced and highly qualified investment professionals. They undergo frequent asset class allocation committee meetings, 400 face-to-face fund manager meetings per annum, and boast a 180-year history, winning numerous awards from the likes of the FT and Investors Chronicle.
Several of Tilney’s Directors visit Infinity Solutions and our clients in Malaysia every year, and in May hosted a very informative and enjoyable couple of seminars in KL and Penang.
If you’d like a second opinion on your investment portfolio or would like to learn more about how Tilney work, feel free to get in touch to arrange a non-obligatory discussion.
"ExpatGo welcomes and encourages comments, input, and divergent opinions. However, we kindly request that you use suitable language in your comments, and refrain from any sort of personal attack, hate speech, or disparaging rhetoric. Comments not in line with this are subject to removal from the site. "
The Perfect Location: Sunway South Quay
Sunway South Quay is a 178-acre lakeside development of vast beauty and luxury, situated within the award-winning Sunway Integrated Resort City (SIRC)....
A Retirement Solution for Life
Expatriate retirees approaching the 'assisted living' or 'nursing' stage in Malaysia are invariably hit by the reality that there are no options...
Perhentian's Paradise: BuBu Long Beach
The Perhentian islands rise steeply from the sea, their rock base soon giving way to lush, dark green rainforest curtained in vines...
Untapped Talent of Expat Spouses
Anabelle Co was a Filipino expat working in Singapore when her French husband was suddenly posted to head a company in KL....
The Artist Profile of Ismail Baba
The genre of Naive Art is starting to explode in popularity here in Malaysia with Ismail Baba one of its best known...
Malaysia Facilitates Top Foreign Talent
Christina Yeo of TalentCorp met up with YBhg Dato' Alias Bin Ahmad, Director General of the Immigration Department of Malaysia, to obtain...
Expat Extracts – August 2011
Want to see who you're sharing this foreign land with? Get acquainted with this quartet of expats! If you'd like to see...
0Food & Drink
You Can Be a Chocolatier
Did you know that there is a club for chocolate lovers? Yes, it's called the International Cocoa Organization, and by their estimates,...
Setting your Hair Straight
I'm at war with my hair. I've subjected it to torture and noisome chemical weapons. My armoury contains bristly metal brushes, hair-frazzling...
The spirit of Hari Raya Aidilfitri
Hari Raya Aidilfitri which falls on the first day of Syawal (the 10th month of the Islamic calendar) is celebrated with great...