Set objective - Setting a clear investment objective with time line will help us to design a suitable investment portfolio to minimize the risk and expect a reasonable return.
Undersand personal characteristic - There is no best product but a product suit you the best. You can only do that by considering your age, financial status, financial commitment and investment objective with clear time line. Try to approach a good investing consultant to help you.
Investment risk profile - Risk assessement should be done prior to investment to analyse you risk acception level and then select a right investment portfolio for you.
Understand the investment product in terms of the maturity, risk level, advantage and disadvantage of the product and etc. Never leave everything to your investing consultant as you are the decision maker and no one can understand better than yourself.
Asset allocation takes up 93.6% importance to determine your investment return through a continuous portfolio rebalancing over the time.
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