Adam Deane, Licensed Financial Advisor

19/01/2023

Optimism, Pessimism, and Irrationality 🎯

In the Words of Nick Murray ‘Optimism is the only rational assessment’.

Pessimism is a kind of illness. Look at the things we’ve lived through.

health, education, disease, poverty, hunger, and major wars.

Not only are all these exponentially improved compared to historic levels, but they are also continuing to improve exponentially.

The financial news will fill you with panic and fosters a culture of market timing and selection.

Ignore it completely.

It plays into a very human trait- irrationality.

This is where volatility comes from. We get over-optimistic and over-pessimistic.

In the short term, capital follows human irrationality. It outruns itself in good times and in bad times.

But in the long run, Capital is rational in a not-necessarily-rational world.

Equities are self-healing because equities are companies and companies have to innovate, grow and create value or they’ll fail.

Irrationality is the free Market operating how it should.

If an investor is allowed to focus on volatility, they miss the bigger picture, because the volatility occurring around whatever excesses of optimism and pessimism that are around at the time will obscure the realization that it's happening in a constantly rising trendline, and has done so for 200 years.

All the good investors are concentrated on this trend line and all of the failed investors, sooner or later, fixated on one of the irrational excesses and let that run their portfolio,

to their eternal detriment.

19/01/2023

❗Are you an Expat in Singapore with a Private Banking Relationship?❗

Private banking, more often than not, is

❌UNABLE to provide real Financial Planning for ex-pats

❌UNWARE of the full needs of ex-pats including tax benefits and risks

❌EXPENSIVE and opaque when it comes to fees and charges

On Reviewing clients' existing arrangements, we have managed to;

✅IMPROVE service, scope, and transparency

✅HELP clients understand their options and benefits

✅REDUCE policy and fund fees to enhance returns

✅EDUCATE them on tax benefits, and improved estate planning.

Get in touch if you'd like to know more 🎯

19/01/2023

BREAKING NEWS 🚨 not reported elsewhere. Billions of 💷💷💷💷were wiped onto stock market values as FTSE closed highest since 2018.

Investors are left generally uninformed by the media.

19/01/2023

The one common thread across every conversation I have – TIME. 🕰️

I speak to people about their investing and financial planning every day.

People with different goals, at different stages, and with different circumstances.

🎯Some wish they started sooner

🎯Some struggle with patience and want everything now

🎯Most underestimate the power of compounding

Whatever stage you’re at, time is your greatest asset 🕰️

❌Don’t make it an enemy

❌Don’t leave things too late

❌Don’t get impatient

❌Don’t underestimate its power

Reach out and speak to a professional and qualified Wealth Manager if you'd like to understand your best next step and get help to avoid your next expensive mistake!

19/01/2023

Let the Maths set you free

19/01/2023

6 Things that can be perceived as weaknesses for a Financial Advisor

1) Being unconcerned about the news
2) Making infrequent changes to your investment portfolio
3) Being happy when markets are down
4) Not spending much time talking about investment performance
5) Always thinking about the future
6) Not knowing the answer to a question right away

“Financial Advising is a noble profession - it’s hypercomplex, full of emotion and continually evolving. We have to manage our behaviour and emotions. I will never perpetuate bad financial behaviour. This may result in uncomfortable discussions, maybe even clients leaving me. However, being professionally authentic is crucially important in reaching the top of this mighty profession. I still have a lot to learn and I certainly don’t have all the answers, however, I am ruthlessly aware of the biases which accelerate bad behaviour - we all need to train our bias bells and be ready to address them once they go off.” – Andy Hart

19/01/2023

"People only cherry-pick the numbers they want you to see when they offer up examples you know..."

I'll see you, and raise you. ⬇️

The S&P 500 represents the 500 largest public companies in the US.

Here's EVERY S&P 500 index return over the last 40 years:

1982 20.42%
1983 22.34%
1984 6.15%
1985 31.24%
1986 18.49%
1987 5.81%
1988 16.54%
1989 31.48%
1990 -3.06%
1991 30.23%
1992 7.49%
1993 9.97%
1994 1.33%
1995 37.20%
1996 22.68%
1997 33.10%
1998 28.34%
1999 20.89%
2000 -9.03%
2001 -11.85%
2002 -21.97%
2003 28.36%
2004 10.74%
2005 4.83%
2006 15.61%
2007 5.48%
2008 -36.55%
2009 25.94%
2010 14.82%
2011 2.10%
2012 15.89%
2013 32.15%
2014 13.52%
2015 1.38%
2016 11.77%
2017 21.61%
2018 -4.23%
2019 31.21%
2020 18.02%
2021 28.47%
2022 -23% (so far)

The numbers go up and down. Always have. Always will. But focus on long-term trends. Average annual return over the above period? 12% p.a. But you have to be willing to strap in for the long term and enjoy the ride.

19/01/2023

Rule 7. Be Patient.

The successful investor thinks in multi decades. Spend time in the markets, do not time the markets. "our favorite holding period is forever' Warren Buffet.

1. You must invest. Cash is guaranteed to lose you money as Inflation is a silent killer to your wealth. The risk of the stock market is not understanding it, and not being in it. ​ 2. Be an...

19/01/2023

Top 3 reasons not to invest your money.

And why they’re wrong: ⬇️

❌ You don’t want to risk losing money

There is one surefire way to lose money: Keep it in the bank and earn an interest rate that’s WELL below inflation.

❌ It’s too complicated/time-consuming

A few hours of research will last a lifetime. Set it and forget it. Or engage the services of a professional to help you or do it for you.

❌ You think you can time a lower entry point.

I could dance around this, but I’m going to go straight at it: You can’t and you won’t. Time in the market will always beat timing the market.

Key takeaway:

If you want to try and maintain the spending power of your hard-earned cash, set up a simple investment strategy and let time do the heavy lifting for you.

19/01/2023

Rule 8. Do not invest without a plan.

A portfolio is not a plan.

Your plan gives you principles to follow and is what anchors your decision-making. Without it, you’ll be swayed by current events and any other influence which doesn’t serve you or your goals.

1. Have a plan and know your numbers. Awareness and clarity is key in hitting your goals. Its this knowledge that informs decisions both large and small. You can only achieve a goal if you're aware...

19/01/2023

The New Year is a great incentive to get a better handle on your finances and Financial Planning.

What difference could you make to your net worth and/or financial security by next January❓

How much closer can you get to your goals❓

What are your goals, do you need to review them❓

Here are a few tips to help you make the most out of this year with regard to managing your hard-earned ⬇️

Whether you are someone who likes to set new year’s resolutions or someone who believes they are a waste of time, setting financial goals or developing a financial plan for the year 2023 could be...

19/01/2023

"You don't need a Financial Advisor❗"

"Financial Advisors are a waste of money❗"

Agreed!

You certainly don't need a Financial Advisor who is actually just a salesperson looking to sell a product, earn a commission, and move on!

YOU MOST LIKELY DO NEED A REAL FINANCIAL ADVISOR!

An objective wealth planning partner who;

✅Cares about you and your money
✅Really knows what they're doing and puts you at the heart
✅Takes time to understand your goals and what's important to you
✅Is completely clear and transparent and makes things simple
✅Is qualified and has client testimonials

Choose your advisor wisely and it will be a very valuable relationship.