Whether you are a first-time investor or more experienced client, we are here to help.
THE VALUE OF AN INDEPENDENT FINANCIAL ADVISOR
We have the experience and expertise to guide you through your investment options. Working closely with our private clients, we fully recognise that your goals and requirements will be unique to you.
Our full service stockbroking advisory solutions are designed to help investors maximise
investment performance and effectively manage their portfolio and exposures.
We regard full service stockbroking as a partnership between you and your adviser to understand your requirements and determine an investment strategy or modelled portfolio. Our advisers will help you with decisions on investing in American and International shares, IPOs, corporate actions and other asset classes. Your investments are monitored and reviewed regularly and we proactively recommend adjustments if and when necessary.
We offer a range of wealth management services tailored to your investment objectives and risk profile. We specialise in direct investment solutions for individual, pension, corporate and charity clients and we believe strongly in the value of personal contact and client relationships. We always encourage investors and clients to call us or to request a call-back at a time that suits.
OUR INVESTMENT PHILOSOPHY
Our philosophy is one of the ways we can help you make sense of investing.
We believe in a thoughtful, straightforward investment philosophy – long-term investing with an emphasis on quality and diversification. All three of these elements work together.
A LONG-TERM STRATEGY
The market changes every day, but your financial goals probably don't. Neither should your investment strategy!
We firmly believe a long-term strategy is the best way to build and preserve your financial security.
Remember, however, that 'buy and hold' doesn't mean 'buy and ignore.'
You should review your portfolio at least once a year - to make sure you're still on track to meet your financial goals.
After years of experience, we know that quality matters. Our Research department recommends stocks, bonds and mutual funds that we believe offer the potential for solid performance over time – through good and bad markets.
That’s why we don’t recommend penny stocks, individual junk bonds, options or commodities, and we don’t hop on the bandwagon of investment fads. We believe these are too risky and won’t deliver the performance you need to reach your goals.
No investment is risk free. But finding the right balance between that risk and your return potential is at the heart of any solid investment strategy.
While diversification cannot protect you against a loss, it is one way you can help reduce your risk.
If your money is invested in just one or a few investments, and one of them experiences some challenges, your entire financial strategy could be in trouble.
Ideally , we recommend constructing a portfolio that includes different types of investments that are likely to perform differently over time. This way we’ll be working together to help you stay on track – so as to limit your risk and meet your long-term goals!
WHAT IS A STOCK?
When you buy a stock, you’re buying a small piece – or a share – of a company. Stocks are sometimes called “equities” because shareholders have equity (meaning ownership) in the company. We believe stocks, and the mutual funds that own them, are an important part of almost any investment strategy. As a stock investor, there are two basic ways you can make money:
1.Capital Gains – The first way stock investors make money is through growth or capital gains. This means that if the stock price goes up, your shares are worth more. So if you sell them for more than you paid for them, you keep the difference, which is referred to as a capital gain. The price of a stock goes up and down, so if you sell your shares for less than what you paid for them, then the result would be a capital loss.
2.Dividends – The second is by receiving a dividend from the company. Dividends are simply a little piece of the company’s profits, typically paid quarterly. Companies don’t have to pay dividends to their shareholders, but many times they do. It’s important to note that even companies that have historically paid a dividend can stop at any time.
THE ROLE OF STOCKS
Stocks can play an important role in your portfolio for a variety of reasons, including:
Current or future income needs
Potential for growth of principle and accumulation of wealth
Potential for offsetting inflation
SO MANY CHOICES, BUT WE CAN HELP
With more than 65,000 stocks available around the world, it can be difficult to select the right ones for you. At Universal Asset Management, we are very selective about the types of stocks we recommend. We use a disciplined approach to find those that align with our investment philosophy and recommend you stick with quality, diversify and invest for the long term.
QUALITY – OUR DOS AND DON’TS
Because we are committed to quality investments, we don’t promote the hottest, newest stock you heard about on TV last night. Over time, we’ve found that most people who go down that path are disappointed. That’s why you may actually hear your financial advisor say “no.”
There are investments we just won't sell, should we believe there's just too much risk.
FULL SERVICE STOCKBROKING
Our full service stock-broking advisory solutions are designed to help investors.
maximise investment performance and effectively manage their portfolio and exposures.