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Five financial tips to get your year off to the right start

New Year’s resolutions don’t all have to be about giving up chocolate and alcohol
It’s only the second day of the New Year and you’re probably fed up with reading about resolutions. However, they don’t all have to be about giving up chocolate or alcohol, or rising before the sun to exercise.
These tips for 2018 don’t have to be done with any great urgency; rather, think about the following advice as something you can check in on over the year as your appetite for financial management ebbs and flows.
1: Decide on your goals
An obvious one, but how many of us have ever taken out life insurance, or embarked on a renovation without thinking of the wider impact of such a move?
Writing down your financial goals may not mean you’ll actually achieve them (sorry fans of The Secret) but it will probably increase your chances of doing so.
2: Get your mortgage into shape
If you already have a mortgage, there are three things you should be thinking about this year. The first is checking you’re on th…
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Points to Consider When Investing in Stock Market for the First Time

Here are few tips to make a comprehensive and successful investment plan that can lead you towards a profitable investment future in share market. Get more stock trading tips from India Infoline.
Many investors think the stock market is like a treasure box. Once you open it, it would overflow with wealth and goodness. However, that’s not the case. The stock market does have the potential to make you rich but only if you invest smartly. You need to plan your investments in such a way that your losses are lesser than the profits in the long run.
For this, you need to have an investment strategy in place. If you are a new investor investing in the stock market for the first time, you need to consider some points. These would help you make a comprehensive and successful investment plan. Implementing and following these tips can lead you towards a profitable investment future. So here are 5 tips for your consideration:
1. Spend time in preparation before you start
Investing in thestock mar…

2 Quick Ways to Uncover the Best Investments in the Stock Market

Investors have two major ways to find new investments that are the top-down approach and the bottom-up approach.
From where I stand, both methods have their merit. In fact, the goal of each approach should be the same thing, that is, to find good investments in the vast world of stocks. But, at the same time, these two approaches are quite different.
With that in mind, let’s take a look at the key differences between these two strategies.
The top-down approach
Investors who use the top-down approach tend to take a broad view before focusing on a particular sector to find suitable investments. For instance, recent reports suggest that interest rates might increase soon. With that framework, top-down investors may look at industries that can benefit from interest rate hikes, as such the financial industry.
The focus then shifts towards companies that operate within the financial industry. This method allows investors to concentrate on growing industries, or companies that are primed to …

How to Restructure Your Investments for Retirement

Making the money last when it's time to shift from saving to spending
You’ve earned and saved money and now you’re headed into retirement. What could go wrong? Along with a new schedule and opportunities come new questions and challenges, particularly around finances. The most pressing ones are often: “Do I have enough savings to last my lifetime?” and “How do I turn my nest egg into a paycheck that I can count on throughout retirement?”
One of the biggest changes in retirement is going from receiving a consistent paycheck to needing to generate your own cash flow to cover expenses. This shift requires a new investment strategy and mindset.
The 3 Phases of Retirement
To start, you’ll want to think of retirement as a series of three unique stages:
The “Go Go” Years In the first years of retirement, you’ll likely be focused on the fun things in life, such as travel or enjoying activities with friends and family. The result can be a spike in lifestyle expenses. During this period, you…

How to invest Like a Millionaire (When you’re Not One)

Lots of people dream of becoming a millionaire, but few actually know what it takes to get there. Most millionaires weren’t handed their wealth, and few stumbled upon it by luck. A mere 20 percent of them inherited their money, according to Thomas J. Stanley's book The Millionaire Next Door. The conclusion? The majority of millionaires are self-made.

So, if you want to be a member of that elite group, exactly how do you make a million bucks? The truth is, there’s no secret handbook for millionaires. Most of them follow typical investing best practices. But you do need to be smart with your finances, so do your research and invest strategically.
Stanley, author of the "millionaire" book, also believes that attitude is a contributing factor. “One of the reasons that millionaires are economically successful is that they think differently,” he writes.
Ready to start thinking differently and invest smartly, to make your own million? Here are four tips to help you get there:
1.…

6 Money Management Tips for First-Time Entrepreneurs

How many times have you been told that saving money is a good thing? Financial specialists recommend that you save a bit of money every month, but that's easier said than done. After all, it’s not uncommon for people to live paycheck to paycheck.
However, if you want to start a company, you’ll need to break away from this cycle and start budgeting and saving. At times, this will be a trying task, but it must be done if you want to invest in your future as an entrepreneur.
If you want to start managing your money more effectively and set yourself up to become an entrepreneur, follow the six tips below. With these techniques in your arsenal, you’ll start so see immediate changes, and you’ll set good behaviors in motion that’ll serve you throughout your career as an entrepreneur.
1. Prioritize organization.
When you are organized, you can track every facet of your finances. Record all of your financial information in one place so you can refer to it and keep track of your progress.
W…

Privacy Statement of Herrand Associates Wealth Management Singapore, Tokyo Japan

Herrand Associates values our clients’ privacy as well as that of those who visit this Website. This Privacy Statement clarifies how Herrand Associates safeguards, stores and utilizes the personal records of clients and our Website visitors.
We Will Collect the Following Information
For us to assist our clients effectively, we will require personal information, such as: • Name contained in a Passport or National ID card • Contact telephone numbers • Address of residence • Business address • Banking transaction information
How to Send Your Private Information
Private information may be sent and stored during the application as a Herrand Associates client. It may also be recorded using the following means of transmittal: • Phone conversations • Email exchange • Subscription to online newsletters • Access through internet accounts
How Herrand Associates Stores Your Information
Private information will be stored and safeguarded in electronically and physically. Every proper care and means i…