More efficiency

You have built wealth and understand that with smart management and the right additional tools, better results can be achieved.

Managing wealth smartly: greater returns with the right strategy

Congratulations! You have accumulated wealth. This is a great accomplishment, but it can also be a challenge to maintain and grow your wealth. With smart management, you can achieve better results, but there are many factors to consider. In this article, we discuss all aspects relevant to managing your wealth, with detailed explanations of the pros and cons of different strategies.

The benefits of smart investing
There are several reasons to invest your assets. First, it allows you to earn higher returns than saving. In savings accounts, interest rates are currently very low, whereas with long-term investing you can achieve an average return of 7-10% per year.

Second, investing allows you to spread your wealth. By investing in different investment products, such as stocks, bonds and real estate, you reduce the risk of losing a lot of money if one investment disappoints.

Third, investing allows you to benefit from inflation. Inflation is the gradual rise in prices, which means you can buy less with the same money in the future. By investing, you can allow your assets to grow with inflation so that you maintain purchasing power.

The risks of investing
Investing is not without risk. The value of your investments can fluctuate, causing you to lose money. This risk is greater with high-yield investments, such as stocks.

In addition, investing is a complex activity. You must have a good understanding of what you are investing in and be aware of the risks. If you do not have the right knowledge and experience, it is better to seek professional help.

The different investment forms
There are different forms of investment, each with its own advantages and disadvantages. A few well-known investment forms are:

  • Shares: Shares are pieces of a company. When you buy stock, you become part-owner of the company. Shares can provide high returns, but the risk is also high.
  • Bonds: Bonds are loans you give to a company or government. Bonds are less risky than stocks, but the return is also lower.
  • Real estate: Real estate is an investment in bricks and mortar. You can invest in direct real estate, such as a house or apartment, or indirect real estate, such as a mutual fund that invests in real estate. Real estate can provide stable returns, but it is an illiquid investment, meaning it can be difficult to sell your investment quickly.

The costs of investing
When investing, you always pay fees. These fees can vary depending on the form of investment and the provider. Most costs are:

  • Transaction fees: These are the fees you pay when you buy or sell investments.
  • Management fees: These are the fees you pay to manage your investments including skills that increase returns and reduce risk.
  • Fund fees: These are the fees you pay when you invest in a mutual fund, these are often hidden fees

The right investment strategy
The right investment strategy depends on your personal goals, your risk appetite and your investment horizon.

  • Objectives: What do you want to achieve with your investments? Do you want to build a buffer for unexpected expenses, do you want to build your retirement or do you want to build assets for your children?
  • Risk appetite: How much risk are you willing to take with your investments? And what exactly is risk and is it a problem for you?
  • Investment horizon: How long do you want to invest your money and what if you need it in between?

Professional help
If you do not have the right knowledge and experience, it is better to seek professional help. An investment advisor can help you choose the right investment strategy and manage your assets.

Managing wealth smartly can help you increase your returns, reduce your risk and achieve your goals. There are several factors to consider, such as the benefits and risks of investing, the different forms of investment, the cost of investing and the right investment strategy. If you do not have the right knowledge and experience, it is better to seek professional help and for that you can come to us.

class="lazyload

save

The saver is someone who chooses security over returns. Low risk resulting in very low returns. The main goal is capital preservation and having money readily available for unforeseen expenses.

defensive

Defensive investors are cautious and want to minimize risk. They invest mainly in bonds and safe mutual funds. Returns are moderate, but preserving capital is the top priority.

moderately defensive

These investors seek a balance between return and risk. They invest in a mix of bonds, stocks and real estate. Although there may be some volatility, they aim for stable long-term growth.

moderate offensive

Moderately offensive investors accept some risk for potentially higher returns. They invest primarily in stocks and diversify their portfolio to spread risk.

offensive

Offensive investors have a higher risk tolerance level and invest primarily in stocks. They seek significant long-term growth and accept temporary market volatility.

highly offensive

Willing to accept significant fluctuations. They invest in stocks, often with a specific focus, derivatives and volatile sectors for maximum growth, with significant short-term fluctuations.

Wondering what we can do for you?

With about sixty colleagues in two locations, we are never far away. All advisors are trained as financial planners and understand better than anyone how important it is to see assets in the bigger picture.

class="lazyload