WHY & HOW TO ACHIEVE FINANCIAL FREEDOM
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The past several years have seen the
rapid globalization and increased inter-dependence of
the financial economies and markets of the world. IPP
is strategically located in the key Asian cities of
Singapore, Malaysia, Hong Kong and Indonesia to serve
the financial planning, management and investment needs
of affluent Asian consumers.
With the advancement of information technology, e-commerce |
revolution and the growth of global financial services, consumers
will have to decide from a wide variety of investment financial
decisions and achieving a secured financial future is not easy.
Not with today’s economy.
- Complex economic and financial environment and its inherent
uncertainty;
- Increased volatility and sharp swings in market cycles;
- Capital flows and electronic fund transfers which can
destabilize smaller economies;
- Hedge funds and currency speculators;
- The new knowledge economy, the aggressive global competition,
deregulation and rapid changes in a borderless world;
- Inflationary pressure constantly eroding the purchasing
power of money and pushing the prices goods and services
up;
- Consumers demands, corporate investments and lenient credit
facility.
- Proliferation of highly complex and often confusing financial
products and services.
Most individuals are not trained to deal with the complexities.
Hence the IPP Financial Planning Organization will help you
in overcoming the difficulties and then assist you in achieving
financial success through comprehensive financial planning
- even in today’s volatile complex and uncertain economy.
For many of us, the inflationary spiral of recent decades
has undermined not only our hopes for achieving long-term
financial success and independence, but also our ability to:
- Enjoy a comfortable lifestyle.
- Upgrade our home
- Fund our children’s education
- Expand our business
Whatever the goals, the IMPORTANT QUESTION concerning the
future is;
Comprehensive Financial Planning involves a comprehensive
survey and analysis of your current financial situation, with
the objective of building the future that you desire.
The IPP Financial Planning Practitioner will look at the entire
portfolio and take into consideration, matters such as cash
flow, budget, net worth, investments, savings, taxes, insurance,
retirement planning, estate planning, and business ventures,
to name a few.
- Do you have adequate life insurance to guarantee your
family’s financial security?
- Do you have a balanced and strategic investment plan?
- Have you bought your dream home?
- Do you spend more than your budget?
- Do you have enough left over to invest?
- When you invest, do you have specific objectives in mind?
Through the proven process and systems of comprehensive financial
planning, IPP can:
- Identify financial needs
- Define goals
- Develop plans and strategies
- Implement financial decisions
- Measures performance to produce reliable results
And the person who can help you achieve that is the IPP
Financial Planning Practitioner.
You have defined your dreams. Next draw
up a complete financial and investment plan to achieve
your objectives. The IPP Financial Planning Practitioner
can help you translate your dreams into specific objectives
that are measurable in dollars and cents.
You need to generate cash flow that makes investing
possible. An IPP Financial Practitioner, through financial
planning and careful budgeting, can help you say “no”
to unnecessary spending.
Although education, experience and opportunities help
in achieving financial security, there are risks that
can disrupt your income earning ability. Therefore,
you need to insure against them, i.e.:
- Premature death
- Total and permanent disability
- Long term medical crises
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For most families, home purchase is the most important investment
decision. If you already have a home, you may want a larger
one as your family grows. What about considering a second property
for investment: residential or commercial, local or overseas?
What will it take to provide your children with a solid education?
IPP Financial Advisers can help you determine for each child,
ways to achieve the desired sum at the required time. Our
Financial Practitioner will also help you consider the amount to
set aside to accumulate and to account for inflation and rising
costs, So When your children are ready for university education,
the funds will be available.
Depending on your individual investment objective and risk
tolerance, an IPP Financial Practitioner can help you construct
a complete financial and investment plan. You will be able
to take advantage of local and international opportunities
in equities, currency deposits, bonds, unit trust, properties,
life insurance, etc. and be advised on issued such as;
- How and when to leverage
- How to maximize on the returns on investments without
exposing to unnecessary risks
- What are the growth objectives
- How fast must the investments grow in order to provide
for the things that you desires.
In your personal estate planning, you must secure your assets.
You will know how to pass down your inheritance and provide
equitably for your beneficiaries.
How much retirement income will you need to maintain your
present lifestyle after you stop working? For most of us our
mandatory state retirement benefit plans will not be enough.
What about Retirement Scheme Planning?
IPP Financial Advisers can help you realize your financial
goals and objectives with our Comprehensive Financial and
Investment Plan.
It can help to protect the value of your assets, and distribute
it according your wishes. It can identify appropriate investment
opportunities; increase your cash flow, build capital and
minimize your taxes.
It will look at your investment as part of an overall integrated
financial plan.
An IPP Plan provides you with a simplified approach to budgeting,
and a firmer grip on spending habits and other expenses. You
learn how to manage your income more efficiently. With a Comprehensive
Financial Plan, you begin to build a long-term capital base,
minimize taxes, and gain control over your financial lifestyle.
Your insurance needs must be put in context with your overall
financial plan. The right amount of coverage is as important
as the right kind of policies.
The life insurance plan must be balanced between long-term
savings and investment and creating a substantial financial
estate.
The IPP financial Planning Practitioner will illustrate financial
models to help you define life insurance needs, and the right
combination of policies to protect you and your family adequately
against the three major life’s hazards, such as;
- Premature death
- Long term total disability
- Major medical crisis
An IPP Financial Practitioner is committed to help clients make
the timely decision in home ownership.
Your children or grandchildren ‘s education is paramount
in your plans. Both local and overseas tertiary educations
are likely to cost a lot more in the future.
The IPP Financial Planning Practitioner is able to develop strategies
and advise on savings and investment plans so that you can
accumulate these funds and have them ready at the time when
needed.
You may find yourself dreaming about retirement, but probably
not dreaming about paying for it!
Your company employee benefits plan and pension plan savings
will not be enough.
Why? Because a financial plan can take into account the impact
of inflation and taxes. It can create a more sophisticated
retirement program that puts you in a more advantageous investment
program. A financial plan will help you shape you financial
future.
Chances are, your current estate plan will probably need updating.
It must be consistent with your current financial and personal
situation. The IPP Financial Practitioner will work with your lawyer
to advise you on assets and property ownership, trust, wills
and the succession and desired distribution of your assets.
You may find local investment inadequate in providing the
opportunities that you seek. A comprehensive financial plan
will take advantage of global investment, which offers attractive
opportunities for capital growth, cash flow and diversification,
while at the same time reducing the volatility of your portfolio.
We have investment Specialists to advise client on Assets
Planning, both locally and globally.
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