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Investing for Good Returns in Retirement

( First of 2 Parts )

Retire Smart

Everyone wants a stress free, enjoyable retirement. To most of us who work tirelessly in our careers, a healthy family and financial stability are essential ingredients needed in our retirement planning recipe. Financial stability contributes to peace of mind for most retirees and this is where good returns on your retirement savings are essential.

Good and Bad returns

In its simplest term, Return is the monetary gain or loss on an investment. It can be expressed nominally as the change in the value of an investment over time and as a percentage derived from the ratio of profit to investment.

A good return is for most investors a matter of perspective. Generally, it is the profit, or money made, on an investment or venture over a period of time. Similarly, a bad return is technically also a matter of perspective but most people equate low or negative returns with “bad”.

Three Investor types

First, we have DIY or Do-It-Yourself investors. They are normally well-educated individuals and are financially literate. Their investment decision-making is basically derived from the knowledge that they acquired through careful study.  Second, is the Investors. They are usually surrounded by some professionals like accountants, mortgage brokers, assets consultant and financial planners who cater to them the necessary information they will be needing when it comes to investment decision-making. Third, is the Non-Advised investors. These people do not necessarily obtain help from a professional, they go into the websites, perform their own research and gather themselves all the relevant materials that they may use as a guide on their decision makings about investments.

Calculate the risk

Risk profiling is basically evaluating how much risk an investor is willing to take. Building your risk profile will help you understand the purpose of your investment. A set of questionnaires can be used to identify and build your own risk profile portfolio.

Below are the risk profile categories.

Aggressive – also known as high growth investors. Their aim is to maximize returns by relatively taking a higher degree of risk. They practice the general rule that “the higher the risk of an investment, the more potential for higher return”.

 Assertive – known as growth investors. They seek high long-term capital growth by investing mostly in growth assets. But they remain cautious in taking high levels of long-term risks.

 Prudent – they are the balanced investors, this may apply to any age, whether in accumulation phase or pension phase, or a combination of both. They tend to achieve a good balance between income-producing investments and investments for growth. 

Cautious –  or the moderately conservative. This applies to a member in the pension phase that still seeks to have growth assets in order to get protected against the impact of inflation.  

Conservative – a type of investor who prefers to keep an investments portfolio value by investing in lower risk securities such as fixed-income and money market securities.

 Guaranteed– those who are just looking for cash.


Remember the proverb  Don’t put all your eggs in one basket?  That’s diversification in a nutshell. You allocate investments into different financial instruments, such as bonds or shares or any other. The idea is to create a wide variety of investments to reduce risk. 

Asset allocation

It intends to balance risk by allocating a portfolio’s asset according to the investors’ goal, risk tolerance and the total length of time that an investor expects to hold a security or a portfolio.

When choosing an investment

It is so crucial that you get financial advice from experts, may it be an individual or an organization, See to it that you are fully equipped with the know-how before you venture, Our vision for you is to see you retire confidently knowing that your investments are well taken care of.

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