Financial Planning
We believe that financial planning is necessary to help pre-empt life’s twists and turns. Whether your financial goal is two, or twenty years away, our experienced financial advisers will help plan for your financial needs.
We provision adequate financial protection for you and your loved ones, such as estate transference to your dependants.
Whatever your situation may be, our skilled financial professionals can develop personalised financial strategies to meet your needs and goals.
•
Investments & Wealth Management
We help individuals to capitalise on opportunities to preserve, grow and transfer their wealth. Time is spent analysing your risk tolerance, investment time horizon and financial objectives before an investment strategy is drawn up. Depending on your risk profile, an appropriate long term asset allocation model is determined. This serves as a framework to implement your investment strategy. The appropriate mix of assets are then assembled and actively managed. Portfolios are reviewed periodically and rebalanced when tolerance limits are exceeded.
At GYC, we believe that our investment process is central to generating consistent positive returns to our clients’ portfolios. We carefully select fund managers and their funds on the basis of their performance relative to their peers, using our proprietary fund analysis process. All short-listed funds are finally scrutinised by an External Investment Committee before making it to our recommended list. We then scrupulously review it periodically to ensure that only funds meeting our stringent criteria remain on our list.
•
Life Insurance
Even though we cannot prevent the tragedies in life, we can certainly try to make them less painful financially. Life goes on for the ones you love and care for. Your spouse, children and even parents would need financial protection more than ever.
Do you know how much financial support your dependants will need when you are no longer around to provide for them? How do you ensure that you get the best value-for-money insurance solution?
Find out how much you need to be covered for and the choices available to suit your circumstance, at GYC.
•
Personal General Insurance
Are you getting the best value for your car insurance?
• Do you know you can get motor insurance plans with zero excess?
• Are you interested to protect your No-Claims Bonus?
How about your hospitalisation plan?
• Anecdotally, a child is likely to be hospitalised no less than five times by the age of eight
• Medical expenses can be a drain on a family’s financial resources, destroying dreams and aspirations
Is your home protected against burglary, fire or pipe leakage?
• For many of us, our home is our biggest investment asset. Is your coverage comprehensive?
• Do you know you can protect against accidental damage to your home and contents?
Are the different travel insurance plans available confusing you?
• Would a single-trip or an annual plan suit you better?
• Is terrorism cover or rental vehicle excess included?
At GYC, we can secure the best value to suit your insurance needs.
•
Loans
• Should you refinance your existing housing mortgage?
• How much can you afford?
• What is negative equity?
• Is fixed or floating better for your particular circumstance and the current interest rate environment?
• Should you do capital repayment?
Our in-house experts constantly scan the market for the best lending solutions to meet your financial objectives and cash flow needs.
How you borrow is a personal decision. Your Adviser, working with our in-house experts will help you understand the advantages, risks, and help you determine which borrowing solution is right for you.
•
Private Wealth Management
We provide customised private wealth management services to successful individuals, their families, and their businesses.
You get access to a diverse range of products and services reserved for private clients. Whether your objective is to maximise savings, actively grow your investments, planning for your retirement or seeking solutions to pass on your accumulated assets, we offer discreet professional advice tailored to your specific requirements.
GYC is an external asset manager for UBS Bank, the world’s largest private bank. This exclusive relationship allows us access to the UBS suite of international products and expertise for customised individual and corporate solutions.
Copyright 2005 GYC Financial Advisory Pte Ltd - Co. Reg. No 199806191-K • Terms and Conditions
