How The Risk Profile Of An Investor Determines Their Investment Avenues - James Ian Gillingham Explains


Posted May 27, 2020 by jamesiangillingham

James Ian Gillingham believes that giving advice on finances to his clients is just one aspect of his responsibilities.

 
When it comes to mentoring newcomers, James Ian Gillingham has always been ahead of his peers. Everyone who aspires to make it big in the finance industry is going to learn a lot from him. With over a decade long career in this industry and tremendous experience in business development, James has a lot of knowledge when it comes to managing assets and predicting the gait of the financial markets across continents. He has worked across Europe, Asia and the Middle East. With a flair of achieving multimillion-dollar sales targets to his credit, the clients that he has worked for over the years have begun to rely on him for every critical financial decision that they are about to make.

As a financial advisor and investment planner, James is not only responsible for executing trades in the critical financial market on behalf of his clients but also educating them on how to manage their money and investments better. He has used his enormous knowledge and expertise about the financial markets all across the globe to construct several personalized financial plans for his numerous clients. This is what makes it easier for them to achieve their financial goals within the shortest span of time and also manage the risks attached efficiently.

A very critical aspect of the financial plans is the type of investment that is the most suited to an individual client. Also, their budget and insurance in addition to taxation strategies pertinent to the country they are living in play an important role in helping them achieve their financial goals.

Based in Singapore, James has been in the financial market for a very long time now. Having worked with the leading global financial institutions and international asset management companies such as Mayfair based Fund Of Funds and Close Brothers which is a London based investment bank and many other reputable names in the industry has given him an edge over his contemporaries. The sheer exposure that he has gone through has given him the tag of a financial innovator and a self-driven businessman among his colleagues.

James Ian Gillingham believes that giving advice on finances to his clients is just one aspect of his responsibilities. He is also capable of managing their portfolio and recommending the best investment avenues that suit their budget and financial goals.

It is also important to set up an asset allocation that suits the risk tolerance of the client and also their risk capacity in the long run. James believes in asset allocation very much as it is helpful in determining the right percentage of the total financial portfolio of the client that should be distributed across various asset classes.

For example, James suggests that any individual, who is more averse to risk, should concentrate a little more on government bonds, money market holdings and certificates of deposit. Any individual who is capable of bearing a little higher degree of risk will be more comfortable in investing in stocks and corporate bonds. Investing in real estate is also an option for them.

According to James, it all boils down to the amount of risk his clients are willing to take. Also, he believes that asset allocation should always be adjusted for the age of his clients which he emphasizes on right from the start. It also depends on at what point of time they look to retire from their work. Every financial planner or advisor is going to act in accordance with those priorities.

Another field of the financial market is the foreign exchange sector. James has had significant experience in this field and at 1 Exchange which is based in Singapore; James Ian Gillingham is an active player. He is not just a foreign exchange market expert but also and asset management guru and has constantly been involved in imparting important insights to his clients and mentees alike.

According to him, the biggest secret to succeed in the highly competitive foreign exchange market is to assess your risk bearing capacity.

A very common practice that he has observed over the years is that financial products are usually selected to fit the risk profile of the client. For example, a man of 50 years of age with enough net worth for his retirement is likely to be interested in capital preservation. Perhaps he wants to save more for his family in the future. Having a conservative asset allocation of 45% in individual stocks and mutual funds might be more suitable for him. The remaining 55% is in other fixed income assets. Similarly, if we take an example of a 40 year old single woman, despite having a smaller net worth, she might be more willing to take a higher degree of risk. She wants to build a financial portfolio with an asset allocation of 70% stock assets and only 25% in fixed income assets. With the remaining 5% in alternative investments, her risk profile is going to differ a lot from the 50 year old man. Like James pointed out earlier, the biggest takeaway when it comes to investing in foreign exchange or any other investment avenue is your risk profile and you are willing to distribute it.

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Issued By James Ian Gillingham
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Categories Business , Finance , Marketing
Tags James Ian Gillingham , James Gillingham Singapore , business , Financial Advisor , finance
Last Updated May 27, 2020