The deployment of MC Global comprehensive investment process can integrate your financial goals with your broader life aspirations and significantly improve the probability of achieving them.
Our holistic approach generally takes stock of the following issues:
Once your financial information has been collated and our professionals have gained an intimate understanding of the nuances therein, you’ll gain a new level of understanding about your finances and investments. This will provide you with a solid platform upon which to make prudent financial decisions.
We define the client-adviser relationship – what you can expect from us and vice versa.
Collection of pertinent client information
A sober assessment and evaluation of your financial status and your objectives
Working together on the development and presentation of recommendations and/or alternatives
Implementing the recommendations of the financial planning process
Monitor and update recommendations whenever needed
Personal Objectives – The clarification, quantification and documentation of your personal and financial goals.
Balance Sheet – A business-like statement of your net worth after the measurement of your assets against your liabilities. This will present you with an accurate picture of your financial position as it stands whilst providing a yardstick against which to measure your financial progress in the years going forward.
Cash Flow Statement – Examination of your annual income and expenditure with a view to suggesting where improvements can be made which will better reconcile your existing money management practices with your longer-term objectives.
Taxation– The estimation of your tax liability for the current year, as well as future years, and make recommendations on steps you can take to minimize it.
Capital Needs Analysis - To set targets for what you need to retire and/or reach other funding goals.
Investment Review – An in-depth review of your existing investment portfolio. We review asset allocation and diversification issues and identify any weaknesses in its design and implementation. We determine your risk profile relative to your financial goals.
Asset allocation posits that it is the type or class of security owned rather than the particular security itself that has the most significant impact upon the return. Asset allocation is a means by which investors are able to control risk in an investment portfolio. The risk is controlled on account of the fact that the three or four asset classes in a well-balanced portfolio will tend to respond differently to variations in market conditions such as inflation, interest rates and recessions etc.
Often, asset allocation is confused with simple diversification. Even by containing 50 different stocks, a portfolio isn’t risk-controlled if those stocks are all from large-cap or blue-chip companies because those stocks will invariably react in particular way to market events. This is known as correlation.
We concentrate on core asset classes including stocks, bonds, commodities and cash which we believe will provide the most valuable benefits to our clients.