Why do many retail investors fail to make money? The reason is very simple. They allow emotion to be part of their decision making process. Allowing emotion to replace logic increases risk and reduces long-term return. A sound investment strategy removes emotion from the equation and follows a set risk defined process for each individual client.
At Alpha, we do not allow emotion to influence our investment decisions. Instead, we have a carefully formulated, disciplined approach that assists us in making the right investment decision possible to offer real opportunities for enhancing your wealth and protection during any market downturns.
Alpha Approach to Investing
When you become an Alpha investor, your Financial Planner will ask you to complete a FinaMetrica risk analysis questionnaire, so that we have a definable and tested risk assessment to quantify precisely the risk and therefore the volatility of your portfolio.
Alpha Investment Committee will take the necessary time to understand your risk profile when building your investment plan. They will create a portfolio that is as unique as your personal goals, diversified across a broad range of carefully selected and monitored asset classes and geographical regions.
Each risk defined portfolio is perfectly balanced at the outset. Over a period of time, certain number of the asset classes will increase in profit and others may remain flat or have a small profit. For our major portfolios, the Investment Committee carry out a strategy of rebalancing by booking the profits to either increase cash holdings or reinvest in the lowest performing asset classes, which technically increase the overall return.
It’s not our practice to utilise “off-the-shelf” solutions. Instead, we use our knowledge and expertise of proven investment strategies to personally create and manage portfolios that are as unique as each client we serve.
The Committee meets twice a month to review asset classes, formulate strategic allocations, design portfolios, monitor performance, devise rebalancing and trading strategies in the most cost-effective manner. This careful process offers our clients the opportunity to obtain consistent, superior investment performance over the long-term.
The Umbrella of Protection
What Happens To Your Family When You Are Not There?
Shield your family from raging storms. Life, critical illness and disability insurance.
- Can your family survive if your income is no longer available?
- What if you’re diagnosed with inoperable cancer and have only six months to live?
- What if you become disabled or even die in a car accident?
If you are the main income producer, your family depend on you to provide. You pay for their home, food, school and university fees. In fact, you pay for all of their needs. What would happen if you could no longer provide because you have suffered a critical illness, became disabled, or had a premature death?
The emotional impact of these events on your family are devastating enough but unfortunately, without the right life and critical illness insurance in place this is just the beginning. Your income would stop, future savings exhausted and your family would suffer dramatically. How would they survive? Food, rent, school fees and the cost of everyday living would still need to be met. Your family is left on their own, at their most vulnerable.
Capital Growth & Preservation
Secure your Future investing in offshore portfolio bonds designed in line with your risk tolerance.
You’ve worked hard to secure your hard-earned savings. Now make your money work for you. Apart from emergency funds, savings in the bank are a bad choice. They earn little-to-no interest and do not even match inflation. With the right expert and informed advice, you can grow your capital far more effectively for your future and that of your loved ones.
- Design your own offshore investment portfolio bond.
- Protect yourself against risk.
Education Fee Planning
Gift of Education, the greatest investment you can ever make.
Funding your child’s education – from the time they enter school at foundation age to completing university – can add up to tens of thousands of dollars.
That’s per child. With two children, your costs are automatically doubled… and so forth. The older your children get, the more the cost of their education increases. The costs of university education in particular have grown massively. You have 216 monthly instalments you can make leading up to when your child reaches 18. So, act now and reduce the amount you will have to save.
Retirement Planning
Maintaining the lifestyle you’ve always dreamed of
We so often look forward to the day we can enjoy the benefits of retirement. The freedom to take a holiday when and where we choose. To buy a new car. To live in the comfort we need. To give our children the start they need for their own financial security.
But in reality, many people don’t start planning for their retirement until into their 50s, when it will be far harder to reach their retirement goals than planning far earlier in life.
Conduct a retirement review now
Even if your retirement at this moment seems far away, the time to start planning for it is now. We conduct a full retirement review with you to assess your aims, needs and any current pension policies you may have. We help you leading up to your retirement in building up the income you will comfortably need to achieve your goals and provide your future security.
Keep on track
- Understand how your pensions work and receive regular annual statements so you can track your investment performance.
- Know the retirement income you can expect, factoring in inflation rates, and the tax implications depending on where you live.
- Have the option to provide protection for your family and understand who will benefit and by how much when you die.
- Understand any inheritance tax (IHT) liabilities you may have
UK Pension Transfers
UK Pension Transfers – SIPP & QROPS
As people live longer into our later years and the UK government moves towards state pension ‘means-testing’, how prepared are you to ensure you are financially secure into your retirement – independent of what you may or may not receive from the state? The time is now to ensure you have the security you need.
What is your current situation?
If you have an existing UK pension plan, we will help you find the most effective way to use it to your advantage? How old is your existing plan? How does it currently work? What flexibility does it give you when you retire? What death benefits will your family receive? Let our specialists ask you the right questions and help with your UK pension transfer.
Which overseas pension scheme suits you the best?
There is no ‘one-size-fits-all’. Our UK pension transfer specialists will help you decide whether to opt for a ‘SIPP’ UK-based pension plan, or ‘QROPS’ international plan. Which one you decide on will depend completely on your personal circumstances and future aims.
Savings Plan
Would you like to choose when and where to take your next holiday?
The gifts you’d like to give your kids on their next birthday? The next car you want to buy? That retirement or holiday home you have always dreamt about? Then set up a savings plan to give you the financial security you need.
How much will it cost you to do any of the things on your priority list? Do you already have a lump sum you can invest to give yourself a head start, or does a monthly plan suit you better?
Choose the budget you can comfortably set aside on a regular basis. But the best time to start is now.
Business Protection
Is your business protection watertight?
We all hope it doesn’t, but the unexpected happens all the time. The loss of a business partner or a key person; a recalled bank loan; the sudden change in a shareholding. How prepared is your business for an unanticipated development that turns the stability of your company upside down?
Are you vulnerable to uncertainty?
Have you protected yourself against all eventualities? If the worst-case scenario does arise, you can make sure that you, your family members and the stakeholders in your business are ready. It is more straightforward than you may think.
Can you conduct business as usual?
Business protection insurance planning is all about ensuring that no matter what unexpected scenarios arise, your company has the measures in place to remain operational – and open for business.