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Navigating the Swiss Pillar 3a and a Pillar 3b system

Navigating the Swiss Pillar 3a and a Pillar 3b system

The OECD called Switzerland’s multi-pillar pension system a “Triumph of Common Sense”, and we can certainly see why. With diversification at its heart, the Swiss pension scheme embraces best practices deriving from the oft-quoted concept of ‘not putting all your eggs in one basket‘. What is the Swiss pension scheme? In a nutshell, the Swiss …

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Universal Access Bonds® to support our American clients

Universal Access Bonds® to support our American clients

United Advisers Group will be using the recently launched Universal Access Bonds® (UAB®) to support their American/US connected clients living outside the U.S. Financial planning and investing for Americans has become harder in recent years with the IRS and FATCA, causing Americans to be unwelcome at many financial institutions.  These changes have created challenges in …

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Market Summary – May 2019

Market Summary – May 2019

April World Equity markets strong once again World equities generally performed well during April with Japan experiencing a particularly strong 5% rise going into the Golden Week holiday, extended this year to incorporate the installation of the new Emperor. Strong upward surge for European equities as consumers keep spending Led by Germany, European equities saw …

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Facts and trends for cryptocurrencies in 2019

Facts and trends for cryptocurrencies in 2019

Cryptocurrencies have been growing in popularity since the development of blockchain technology. We run through the key trends and what you should consider before investing in cryptocurrencies in 2019. What is a cryptocurrency? It is a currency independent of a country, an economy or one central bank. This 100% digital asset works like traditional currency …

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Planning for an uncertain future

Planning for an uncertain future

We live in an uncertain world where people place less trust and importance on traditional ways of securing their future. We are less confident that society, national institutions and regulatory schemes and assistance will provide for our futures. How can we change what we do to provide a more certain future? American computer scientist Alan …

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Is property investing properly investing?

Is property investing properly investing?

I was bought up believing that buying a house was an investment and you should do it come hell or high water. For as long as I can remember, both my seniors and peers have touted property as ‘a good investment’. But, is it really? I explore the reality around whether buying bricks and mortar …

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Why hire a financial planner?

Why hire a financial planner?

If you’ve arrived at this post then you have likely asked yourself whether you should hire a financial planner. You might be at the start of your journey to find the right financial planner, or maybe you’re simply questioning whether this is really a service you want? In this post we breakdown some of the …

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How bad could Brexit be on financial markets?

How bad could Brexit be on financial markets?

With the EU and the UK seemingly deadlocked on a Brexit deal, and the prospect of a hard ‘no-deal’ Brexit looming ever nearer, what do financial experts believe the impact of Brexit will be on the UK economy and financial markets? Economists generally appear to agree that Brexit will be bad news. Major institutions like …

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Got million dollar money habits?

Got million dollar money habits?

What is it that rich people do that makes them wealthy?  Popular thinking would appear to indicate that they have a different mentality. But is that pure genetics, or is it possible to learn some of the behaviours and processes that make the rich, rich?! In Tom Cory’s collection of books such as Rich Habits, and …

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Market commentary – October 2018

Market commentary – October 2018

While Europe and Japan growth rates have slowed this year the US economy has experienced strong growth, so US Portfolio exposure applies portfolio construction and risk management parameters to criteria that reflect a positive US economic view. With that in mind, this month’s market summary focusses on the US economy and reasons to be positive …

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