4 months ago

Investment Tips: Investment Type Suited for your Needs

There are tons of different ways to invest your money. The real question here is what type of investment is right for you? Looking for the most suitable investment type that will reap a good harvest is a daunting task.


One biggest element in growing your wealth is the value of return you will get on your investment. There are occasions where you may need to put your money somewhere for a while, although you won’t acquire very good revenue (short-term investments). Or you may also be willing to take a risk and consider a long-term investment that has a higher probability of maximizing your returns. Whichever investment type you choose, here is a guide to the most common short-term and long-term vehicles you might want to consider.




Bank savings account: This is the most availed saving medium used by many people. Bank savings account has low monetary return but this is much more preferable than using your old piggy banks.


Money market funds: This have higher returns compared to bank savings account, however, certificate of deposit are much more preferable than money market funds when it comes to earning more.  Money market funds are designed with a maintaining value of $1 per share at all times. 


Certificate of deposit (CD): The interest rate on CD’s depends on its fixed maturity date. The maturity date is fixed which means that you cannot get your money (there’s a penalty if you want to) not until the maturity expires. The accumulated interest plus the original amount will be returned once the maturity ends. It’s a specialized deposit issued by commercial banks and are usually insured up to $100,000.




Bonds: This type of investment option is where an investor loans money to a government or corporation to finance their various projects and activities. In return, the investor will be the owner of the bond and the issuer who borrows the money for a defined period of time will pay a fixed rate of interest during the life of the bond.


Stocks: Stocks is a type of investment where a company or business allows an individual to own a portion of the company. The worth value in the market of the share is proportional to the company’s growth.


Mutual funds: It is an investment vehicle where investors pool their money to invest in securities such as stocks, bonds, money markets that money managers think as worthwhile.  




Planning for retirement should now occupy your mind. Nowadays, various special plans are created for retirement savings and many of these allow the early transfer of money from your paycheck before the deduction of taxes. If you intend to buy a home or pay for education, there are some retirement plans which allow early withdrawal of your money without penalty fees. In some cases, making retirement savings as collateral to borrow money from the account or apply for a low-interest secured loan is permitted too.


Individual retirement account (IRA): IRA’s are specialized accounts which allow the account holder to invest the money freely in any manner. In this type of retirement plan, you will not be taxed unless you withdraw your fund. If you meet certain requirements, IRA payments may be considered tax deductible. 


Roth IRA: This type of retirement plan does not demand tax payments on your contributions and offers exemption from federal taxes when you decided to withdraw from the account. 


401(k): Employers offer this type of retirement savings and most commonly a suitable choice for many people. 401(k) has tax advantages with the potential benefit of corporate matching.


403(b): This retirement plan is the nonprofit version of a 401(k) plan. There is also a so-called 457 plan offered by the local and state government.


Keogh: A tax-deferred special type of IRA for self-employed individuals or small businesses for retirement purposes. 


Simplified Employee Pension (SEP) plan: A Keogh-based plan established by employers and self-employed individuals to provide retirement plans that are easier to administer compared to normal pension plans. 

5 months ago

Investing Review: Creating Short-Term Savings in 60 Seconds

What if your air-conditioner suddenly decided to give up its ghost? Do you resurrect it (replace it with a new functioning unit) using a credit card and then scrimp on your meals for half a year in order to cover the cost of enjoying a cool summer and a warm winter? 


Small and big accidents can happen and it helps a lot if you have the cash to insulate you from the worry and stress. Spend the next 60 seconds to learn how to create a short-term bundle of cash effectively.


Estimate your monthly expenses


The main purpose of having a bank savings is to have the cash to spend for essential needs in the event of unexpected or unfortunate life situations. Ask yourself then how much you would need in case that happens (Heaven forbid). It is as simple as asking yourself how much you spend every month.


You can add up what you spend monthly on your basic needs, such as food, house rental or mortgage payment, transportation cost and other expenses you regularly incur for yourself and your family.


Include an additional amount for unexpected expenses


This could include average surprises such as a broken pipe or substantial ones such as losing a job. Bring your budget up to take care of the usual needs you spend for while looking for a new job. Next, compute the amount you would have to raise during the time you would be unemployed by multiplying the monthly income you lost by the number of months (say, you would be job-hunting for 3 to 5 months). In addition, you can integrate whatever available cash sources you may have and other expenses to cover the needs of people who depend on you financially.


There you go. That rounds up the figure you have to save as an emergency savings account.


It is time to see into your future expenses, from 1 to 5 years


Having accomplished the first step, think of other cash needs you have in mind. Does your fence need repainting? Do the children need dental check-ups? Your family has always wanted to go to Hawaii? Such plans should find a place in your short-term savings account. Sit down and crank up the figures to derive an amount for the next few years.


Think about how fast you will achieve this objective


You need to raise the amount in the least possible time because emergency expenses are like thieves that strike when you least expect them. Determine how much you can comfortably spare monthly to that pot. You cannot afford to avoid this call; so for your own good, take it. Your survival rests on its being there to turn to. Having done that, you can then estimate your non-emergency short-term savings. (We have savings calculators you can use to do this.)


Decide where to put your stash


Consider how you can get your hands readily on the money you have kept away for any eventuality. No sense preparing for an emergency without the hardware being there when you need it. Hence, you must choose a secure place for your money – that is, it must not be an investment which is as fickle as the weather in Seattle. Here are the possible choices:


•    Money market mutual funds 
•    High-yielding savings accounts
•    Money market accounts


For savings intended for expenses that we refer to as non-emergency (those which you really wish you could spend on a whim), liquid investments can provide a better return on your money. These include certificates of deposit. For more info on this type of instrument, check this out for articles.

11 months ago

International Financial Corporation Commits up to $200 million to IFC Emerging Asia Fund

International Financial Corporation Securities Regulatory Commission World Bank Group

IFC, a member of the World Bank Group, has committed up to $200 million to the IFC Emerging Asia Fund (EAF), which this week reached a first close. IFC is joined by the Korea Development Bank (KDB) and the Fiji National Provident Fund (FNPF). 

Central to the EAF is mobilizing additional capital in emerging markets of the Asia region, given the scale of investment, innovation, technological development and employment creation required for sustainable development in many low and middle income countries in the region falls beyond the range of the public sector, making the private sector central to finding and financing the development solutions that are needed.   

Investments by the EAF will be aligned to IFC’s strategy for the region, which includes a focus on addressing the infrastructure deficit, and at the same time it will also help investee companies raise standards, improve risk mitigation and generate value.   

“We are excited by the equity opportunities we see in emerging Asia and delivering further development impact through our clients,” said IFC Regional Director East Asia and Pacific, Vivek Pathak. “We are very pleased that major institutional investors such as KDB and FNPF are partnering with us to further IFC’s support of private sector development.” 

The new global architecture for international development, the Sustainable Development Goals, launched at the United Nations in 2015, highlights that financing sustainable development requires low and middle income countries tap new sources of capital from both private and public sources, including leveraging global private capital to most skillful effect. 

Two thirds of the world’s poorest people live in emerging Asia and yet it is the engine room of global growth being the fastest growing region and the largest continental economy by GDP in the world. This growth is a function of favorable dynamics such as the continued need for enhanced infrastructure, the emergence of a rapidly growing middle class and commitments by many governments in the region to political and economic reform.  Combined, these dynamics have created significant opportunities for investment in the region including China, India, Indonesia, Philippines and Asian frontier markets such as Vietnam and Myanmar. 

About IFC

IFC, a member of the World Bank Group, is the largest global development institution focused on the private sector in emerging markets. Working with more than 2,000 businesses worldwide, we use our capital, expertise, and influence, to create opportunity where it’s needed most. In FY15, our long-term investments in developing countries rose to nearly $18 billion, helping the private sector play an essential role in the global effort to end extreme poverty and boost shared prosperity. For more information, visit www.ifc.org


1 year ago

Mossack Fonseca: Exclusive Online Services

Mossack Fonseca: Exclusive Online Services


The Mossack Fonseca Client Information Portal is a secure online account that enables you to access your corporate information anywhere and everywhere, with real-time updates of your ongoing requests.


Our exclusive online portal offers clients these features:

• FIND updated information on your Company Formation requests through the Case Information Service panel, as well as digital copies of Corporate and legal paperwork.

• FOLLOW UP on your cases and receive notifications by email whenever one of your cases is updated.

• SEARCH and RESERVE Shelf Companies online.

• VIEW your price lists.

• PAY your outstanding invoices

• REQUEST for certificates, reactivations and order forms


You can access all of these features from any place in the world in a safe environment in real time! Ask for your log in at: portal@mossfon.com


Find the following applications:



The Case Information Service (CIS) is a tool which tracks the progress of client requests and ongoing cases.

• The CIS enables you to:

• Contact our staff around the world

• View digital copies of documents as soon as they are received in our office

• Receive automatic email notifications every time one of your cases is updated (optional)



Mossack Fonseca Client Information Portal offers a complete account management system where you can keep track of all your outstanding or paid invoices.

• The OPS will allow you to:

• Generate account statements with real-time information

• Pay your outstanding invoices online or by credit card

• Take advantage of our debit account application

• Choose our Batch Payment option that facilitates bank transfers and cheques for settlement of invoices



Mossack Fonseca guarantees the most rapid and secures delivery system for your Annual Invoices and Account Statements. This Electronic Delivery System (EDS) eliminates delays due to the air-mail service. We avoid the use of paper, and it allows you to have more time to collect bills from your clients and send payments before deadlines.



Through this new application you can access these documents easily and quickly, and all in one place!

• Incumbency Certificates

• Good Standing Certificates

• Reactivation of one or more companies

• Order Form

1 year ago

Mossack Fonseca at UK Territories: Beneficial Owner Info to Stay Put

Mossack Fonseca at UK Territories: Beneficial Owner Info to Stay Put

On 1 and 2 December 2015, the political leaders and representatives of the UK and its 14 Overseas Territories met in London to discuss financial services, international co-operation in tax matters, beneficial ownership, and other matters.


According to a communiqué released by the UK Joint Ministerial Council, all of the Overseas Territories agreed to the following:


A full commitment to international co-operation in tax matters, and to fight against money laundering, tax evasion, illicit finances, and corruption.

• Adherence to bilateral and multilateral agreements, implementation of the FATF standards, and enforcing legal instruments in everyday practice.

• A commitment to sustaining successful international finance centres.

• Acknowledgement of the importance of bilateral engagement on matters affecting Territories’ financial services sectors.

Beneficial ownership information will be held in their respective jurisdictions via central registers or similarly effective systems―this is in sharp contrast to the original proposal by Britain that all such information be transmitted to a central registry located in and controlled by the UK.


They discussed the details of how the financial control and compliance systems above should be implemented, and agreed that addressing those issues would be given the highest priority and kept under continuous and close review.

2 years ago

Gibson and Associates Solicitors: What Should You Include In Your Will?

If you have decided the 2015 is the time to make your Will and you want to ensure that your family are protected, there are some things that you need to think before you go along to your solicitor to make your Will. This is an important decision to make and if you have children, you are married, divorced or living with your partner, making a Will is something that you should seriously consider.


Your first consideration to make before seeing a solicitor about making a Will is about your children.  If you have children under the age of 18, you will need to think about who will care for them in the event that both you and your partner die and this needs to be included in your Will. If you die and you have made no Will, there is a possibility that your children may be taken into care while a judge decides who should look after them. In addition, the court may appoint someone as their guardian who you would not have chosen, so to avoid this situation, a Will is vital.


In addition to outlining who you want to appoint as a guardian for your children, you must also detail arrangements for their inheritance, including any trusts and property left to them. You can protect them by leaving the property and any money in trust for them and release this to them at an age you deem appropriate, perhaps 18 or 21 years old. They can then live in the house and no one can legally sell it until they reach that age.


Not only is a trust a good idea for children who are not yet adults, but they can also offer some tax benefits so you should also consult a Financial Advisor to ensure that your Will is also tax efficient.


Next, think about any specific items you want to leave to your family, friends or children. By listing these items in your Will, you protect them from being swallowed up in your estate and you can ensure that these items go to the right people when you are not there to make sure this happens.


Consider any charities that are close to your heart and whether you wish to make a bequest to these in your Will. There are some additional inheritance tax benefits to making charitable donations in your Will, so speak to your Financial Advisor about these.


These are only some of the things that you will need to consider when making your Will, but your solicitor will talk to you in detail about all of the other options and things that you need to cover in your Will.