Richard Cayne Meyer International on Investment Principles

An investor can put his money into different types of investments including buying a bond, stock, fund, deposit certificate, real estate or various other financial products that is available for investment. Investing is the procedure in which the investor allocates money in form of purchasing any of the financial products with the expectation of gaining a return in form of financial profit after a certain time. Richard Cayne believes that every individual may benefit by making some investments at the right time and in the right manner.

Tie Your Investments to Your Time Horizon

In the opinion of Richard Cayne Meyer International in Bangkok, investment is one of the best uses of your earned after tax income. Particularly when time is on your side and you can invest over a long time horizon without having to worry about day to day or even year to year fluctuations in the values of the underlying assets. All of us save money so that we can use it at the right time and this ties directly into financial planning where one should try and identify the time durations they may be able to save or invest over.  By doing this you can better determine which financial products or roads to take on your path to financial security.  Saving money in the bank at near zero interest rate is a very slow road to take which will never get your money growing fast enough for you.  That said if you need certain money for a short term goal say six months away then the bank account would be appropriate.  If the goal is 10 years away then you potentially could have received higher gain in other investments and that would be your opportunity loss.

Regular Saving or Dollar Cost Averaging

As markets fluctuate but over time trend upwards a great way to take advantage of this is through regular investment or what’s called Dollar Cost Averaging.  Investing periodically such as every month or even every year if your time horizon is long enough allows one to buy more of the asset when the asset price drops and overall smooth out the volatility in your portfolio by buying in the good times and most importantly in the bad time too.  Richard Cayne having lived in Tokyo Japan as Investment advisor and at Meyer Asset Management Ltd Tokyo had helped thousands of Japanese plan their future and dollar cost averaging is always one of the tools that he highly recommends.  Now Richard Cayne in Bangkok Thailand consults many leading investment companies on how to structure such investment plans to meet the needs of Japanese living abroad as well as those in Japan.

Diversify For a Balanced Portfolio

For some investing into one or two areas may seem like a good idea but if those two investments take a drop then having some other non correlated investments in their portfolio could have balanced out or reduced the drop to their overall portfolio.  Though the same can be said on the upside two that the other investments may not perform as well.  For most people however who look to grow their portfolios with a lower level of volatility and potentially with higher return should look to have a balanced portfolio of investments that will compliment each other.  For example instead of having all ones money in US Equities having some in Chinese Equities would have dramatically increased the performance of their portfolio over the years.  Richard Cayne Meyer Asset Management Ltd’s Asian based servicing arm Meyer International Ltd in Bangkok Thailand has been servicing its clients and strongly advocates a balanced portfolio with investments that compliment each other.

Take Control of Your Portfolio Today

Instead of simply saving in the bank, bonds and dabbling in investments consult a professional who can help guide you through all the benefits of investments and which ones are suitable for you.  Employ the above techniques and you will be taking a very good step forward towards your financial security. Richard Cayne is current Managing Director of Meyer International based in Bangkok Thailand and like Meyer Asset Management Ltd forms part of Asia Wealth Group Holdings a London UK listed company.

Article Source: http://richardcaynes.wordpress.com/2012/08/28/richard-cayne-meyer-international-on-investment-principles/