The Benefits Of Working With An Expert Hypnotherapist

In my last post here I wrote about the way that the very wealthy can diversify themselves. Great wealth can be inherited or won via skill or luck, but mostly it is earned and it takes something quite special to earn a lot of money.

How do they do it?

Something that seems to be a helping factor is their mindset. The super successful seem to be able to blast away at inner demons and self-doubt and get lots done at a consistently high level. This is a very valuable skill!

Something that some people do is to seek help to reset or remove their bad habits. In the City of London, where you eat what you kill and competition is fierce, a number of people use and their chief hynotherapist Deborah Marshall-Warren.

If having someone help to identify and then remove the mental roadblocks that you hold would be helpful, we highly recommend seeking out a qualified hypnotherapist consultant to work with. Their value can be earned on many levels.

Is Second Citizenship The Ultimate Diversification?

When it comes to diversification, there are many levels. For some people, the path is clear – do one thing, do it well and focus. For others, a path of many pots cooking at once is preferable. Nobody can make this type of decision for you.

At the top level, where wealth can buy anything, citizenship by investment, described here, is the game.

It enables wealthy individuals living in politically unstable countries to increase their freedom in times of trouble. It is worth remembering that there are many countries in which democracy and human rights are weak and political power players control everything. In such places, a little added security could be the difference between life and death.

For others, there is simply the question of “what else?”. Once you own everything your heart desires, what new exclusive plaything is there? A second passport would certainly pass that test.

Whatever the reasons for wanting citizenship by investment, it is a popular and growing phenomenon amongst the 1%.

Times Are Changing In The Stock Market

In recent days and weeks, the biggest stock markets of the world have been pretty wild. If you were playing on margin, you have recently either been wiped out or made a fortune! There has been no room for anything.

My own guess, and this is not based on any amazing insight or super research, is that the fake bull market that has been underway over the last couple of years because of all the cheap QE money sloshing around is coming to an end. Is this the top? Who knows, but I think we might have seen it already.

Brace yourselves…

Getting Started With Investment

At the very low risk end of the scale is money market investing. To get a quick and easy understanding of this very large sector, simply imagine lenders and borrowers coming together to provide or access large sums of money. In other words, borrowing.

The money markets operate on an incredibly large scale allowing incredible sums to change hands. This is generally the realm of multinational corporations, Malta naturalisation, financial institutions and local and national government bodies. Most of this borrowing is considered to be ‘short-term’ – in other words, loans with a term of under one year like these.

As with any financial market, the money markets have their own specialised jargon and language (information here) and – of course – major players.

There are some product names that are traded on the money markets that are everyday words, but probably little is known about them outside high-finance. For example, LIBOR, short-term Treasury Bills, EuroDollars and Certificates of Deposit are within the money market environment.

Clearly, it is not an environment that would naturally be easy for a private investor to enter. To enable access to this market (it provides a low risk home for money for investors and adds fantasy football liquidity to the market for borrowers), funds exist to provide access. These are known as collective investment funds and operate in a similar way to unit trusts (in the UK) or mutual funds (in the US).

The money of investors will be ‘pooled’ with many other investors, enabling investments to be made as a group and diversification to be achieved. In the lending world, the risk is that a borrower (a company in this market) may cease trading or fail to pay the interest and capital of it’s debts. By spreading money between many loans, a fund is able to reduce the risk to the investor should any one company fail to pay. For a private individual, it would be almost impossible to obtain exposure to 20 or more loans without a very large pool of capital. In contrast, many money market funds allow investor entry with sums above 1,000 or 2,000.

Such funds are considered to be a very low risk home for savings. Money will – hopefully – earn more than in a bank account, though this may not be the case. The short-term nature of the loans means that inflation is less of a worry than it might be in other environments, though obviously, inflation hits lenders harder than the companies that are borrowing money – and in this instance, private investors are lenders. It is worth remembering that over the medium to long-term, inflation is always a worry to investors.

The low-risk nature of money market investing means that such funds ought to play a role in most portfolios. It should be considered as an asset class that helps diversify and provide property to rent in Malta some safety for the investor. However, over time, it would probably be a small asset class. Perhaps 10 or 15 percent of portfolio invested in money market funds as an asset allocation decision might be right. This would make up a part of the low risk holdings for a family or individual.