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Enhance your investing

“If you don’t take care of your money, your money won’t take care of you.” Mac Duke – The Strategist

Financial planning experts

Financial planning is an important chapter in our everyday lives as, besides saving and multiplying what we already have, it also makes us feel secured against the unpredictable. But where, how much and for how long to invest are the questions that make the majority of the population anxious and sceptical. This is where the role of financial planning specialists comes into the picture. They are the experts who help you manage your investment portfolio by employing their striking understanding of the market behaviour and functioning. In plain words, they let you relish the fruits of financial investment with minimum risks of losing your hard-earned money.

Existing Fee Analysis

Before you go ahead and hire a finance planning expert for stepping into the world of promising investments, you need to understand the associated fee structure. For this, you need to have a broad discussion with your prospective finance advisor and learn about all the types of investment fees included in the entire process of investment portfolio management. Today, experienced and farsighted finance advisors are also available online at competitive fees, which further enhance the ease and affordability of healthy investing.

Investment management fees

The most common investment fees one should know about are:

  1. Internal Expenses: Also called ‘expense ratio’, internal expenses include the operating expenses of putting together a mutual fund. These fees are usually deducted beforehand from the final investment return you receive; so, no account deductions.
  2. Investment Advisory Fees: It is basically the ‘investment management fees’, which is plainly a percentage of your total assets managed by the advisor. All the brokerage firms and advisors usually charge more than 1% advisory fees yearly.
  3. Transaction Fee: For many brokerage accounts, you will need to pay a little sum every time you instruct to sell or buy your stocks or mutual funds. This type of fees can add up rapidly if you are making small investments.
  4. Front-End Load: Front-end load is a simple commission that is automatically deducted from the amount you receive after selling a stock. It’s usually calculated per share.
  5. Surrender Charge: Commonly known as ‘back-end load’, surrender charge needs to be paid at the time of selling stocks, just like front-end load. The only difference is that this fee decreases every year till the time you own that particular stock.
  6. Custodian Fee: Custodian fee or ‘annual account fee’ is charged yearly for many mutual funds accounts or brokerage accounts. With this, you also might have to pay an account closing fee, whenever you decide to close your account.

Although experience governs knowledge, enhancing your financial literacy on the way is also important to ensure profitable returns. With a trusted in-depth consultation from Capital Associates, you can meet a bunch of astute financial advisors under one roof and kick start your journey towards secure and gainful investment portfolio management.

What we do

  • Investments
  • Pensions Planning
  • International Estate Planning
  • International Tax Advice
  • Existing Fee Analysis
  • Mutual funds Investments
  • Notes & Bonds
  • Personal 1 to 1 Planning
  • ETFs
  • QROPs
  • SIPPs

Get in touch

We would love to hear from you, so please get in touch for an informal chat or to book an appointment.

Please feel free to call us on: +Tel: +971 2 3090407 or click below

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