Southbourne Group Singapore, Tokyo Japan

At Southbourne Group, we pursue a time-proven investment philosophy and focus on people’s needs. This is how we have survived some of the most turbulent markets in investment history.

Southbourne Group Singapore, Tokyo Japan on Top money-saving tips for holiday shopping

Picture

 

Stores are already full of Christmas merchandise and Thanksgiving is days away, so this looks like a good time to share some of my favorite money-saving holiday shopping tips.

 

In addition to planning ahead, staying on budget, and watching for sales and discounts, there are many opportunities to save money. That's true whether you're buying gifts, or just shopping.

 

Here are some examples:

 

Discount gift cards: Gift cards may be purchased as gifts, but they can also be used to make your own purchases. If you're planning to do a lot of shopping, or dining, at a particular place, check out reputable online resellers of gift cards, and you could get one at a nice discount to face value.

 

Gift cards are just another form of money. If you can get a $100 gift card for $90, you made money. Just make sure to only buy gift cards you'll use.

 

Some discount examples I found: You could buy a $100 gift card for Bass Pro Shops for $88 (cardcash.com), a $75 AutoZone gift card for $67.50 (raise.com), or a $50 P.F. Chang's gift card for $39.75 (cardpool.com). Note that, sometimes, gift cards are sold in electronic versions that can only be used online.

 

Gift card bonuses: Keep an eye out for bonus offers that can multiply your money. Restaurant chains, drug stores and even specialty retailers usually offer deals during the holiday shopping season in which the gift cards you buy may be worth 10 percent to 30 percent more than you paid for them.

 

That's helpful for gift-giving, or to save money at places you regularly shop or dine. Note that a "gift card" does not expire, but a bonus might come in a different form that could have an expiration date. So, you might buy a $50 restaurant gift card that doesn't expire, and also get a $10 "bonus card" with an expiration date.

 

Membership discounts: Say you want to give some movie tickets as gifts. If you're an AAA or AARP member, you can buy them at discounted prices.

 

Credit/debit card cash-back: Many credit and debit cards provide rebates in the form of cash-back, or points. Some offer larger rebates at particular stores, and many offer even larger rebates for online shopping launched from their website's online shopping portal.

 

Get in the habit of launching your online shopping from your credit or debit cards online shopping portal, and you'll save more money. If you're a member of an airline loyalty program with miles or points that can expire, use the airline's shopping portal to shop and you'll reset the expiration date on your mileage program.

 

Valuable protection: Take the time to know the benefits provided by different credit and debit cards, so you'll know the best ones to use.

 

American Express' "purchase protection" will cover a purchase if it's stolen or accidentally broken within 90 days — a great benefit, which I've used in the past, that's particularly helpful for purchases of small electronics that will be gifted to young people. Dropped your new smartphone in a lake? No problem.

 

Citi "price rewind" will let you register a purchase, track the price, and give you money back if better deals turn up. Some cards will automatically extend a warranty, or the time period when returns are allowed.

 

Speaking of credit cards, shoppers are likely to be solicited at checkout, both in person and online, with offers to immediately save money on their purchase by signing up for the store's credit card. Weigh such offers carefully, because store-branded credit cards typically offer lower incentives for signing up, come with fewer benefits and carry high interest rates.

 

Signing up for a credit card shouldn't be an impulse decision. Some store-affiliated cards may make sense if they have no annual fee, you shop there often and they provide ongoing discounts. As with any credit card, store-branded cards are only a good thing for people who avoid interest charges by paying off the balance due each month.

Source: http://maryfortin160.greatwebsitebuilder.com/blog/southbourne-group-singapore-tokyo-japan-on-top-money-saving-tips-for-holiday-shopping

Southbourne Group Singapore, Tokyo Japan on Investment tip: How long should you run an SIP?

PictureIt's a question that vexes many mutual fund investors once they buy into the concept of investing through a Systematic Investment Plan (SIP): When you have a lump sum to invest, then over what period should you spread the SIP? Of course, for most SIP investments, the question does not arise. The most common type of SIP investment is a monthly one that goes out of a monthly income. This sort of SIP continues and is useful in a way to keep investing without bothering to actually take the time out and do it.

 

However, occasionally, the SIP investor gets a large sum of money at one go. It could be a bonus from a workplace, or it could be proceeds from the sale of some asset like real estate, or it could even be your retirement kitty which you need to spread and make it last for the rest of your life. Investing in an equity-backed mutual fund is the best way to get great returns over a long period like 5-7 years or more. However, over shorter periods, equity funds are dangerous. And when you invest at a large sum at one shot, then the risk is the highest. If the markets turn turtle, you could lose 10, 20 or even higher percentage of your invested amount very quickly. Since the beginning of the Sensex in April 1979, of the almost 13,900 possible six month periods, as many as 2,269 yielded a loss worse than 20%. If you just happened to catch a period like that at the beginning, then you would lose a large chunk of your capital right before it even starts growing. In theory, you could eventually recover, but in practice you would probably panic and pull out your money, making your loss permanent.

 

The antidote to this is a Systematic Investment Plan. Spread your investment at a monthly periodicity over a certain period. Your entry price will be averaged out and you will be saved from the risk of a sudden decline. Moreover, you will end up buying more units of the fund when the markets are lower, which will enhance the returns you will get. That is of course, the standard set of advantages that a SIP has. However, the vexing question is what is this 'certain period'? Is it six months? One year? Two years? Or even longer? There are arguments for and against. 

 

Last week, I wrote about the research project on historic SIP returns that Value Research has carried out and we saw how SIP was truly safe for about four years and above. In this study, we found that on an average, if you invest in a SIP over four years, then your risk of a loss is negligible. It's also interesting that the risk of loss and the chance of an outside gain are both higher over short periods. Over longer periods, the good times and the bad get averaged out minima and the maxima converge. Consider this, for a typical fund with a multi-decade history, over all possible one year periods; the maximum returns are 160% and the minimum - 57%. Over two years, this becomes 82% and -34%. Over three, 63% and -18%. Over five, 54% and 4%, meaning never any loss. Over ten years, maximum is 30% and minimum 13% .These is all annualized figures. The trade-off is crystal clear--the shorter the period, the higher the potential gain but the worse the possible risk.

 

The answer from this data appears to be that SIPs must last more than three years. If you seek zero risk of loss, then that is the correct answer. However, for many investments, this is too long. If you are getting an annual bonus from your employer, it would be ridiculous to spread it over 3-4 years. 

 

If you have sold some ancestral property and the sum realized will be the core of your old age income, then you need to be cautious about the risk you take. In a case like this, you would do well to forego some potential income to ensure that you don't make a loss. A rule of thumb is that you could invest the money over half the period that it has taken you to earn it, subject to the maximum of 4-5 years. So annual bonus could be invested in six months, while ancestral property could take five years. It's basically a way of linking risk to how significant that sum of money is for you.

Source: http://maryfortin160.greatwebsitebuilder.com/blog/southbourne-group-singapore-tokyo-japan-on-investment-tip-how-long-should-you-run-an-sip

Southbourne Group Singapore, Tokyo Japan: Terms & Conditions

Your use of our Website

 

We hope that your visit to Southbourne Group is pleasant and beneficial to you. We also hope that you will visit once again more often and avail of our various services. The information published on this site is furnished for informational purposes only. All information and content on this Web site is subject to relevant statutes and regulations, furnished “as is” with no guarantee of any kind, implied or expressed, including but not restricted to implied warranties of merchantability, suitability to a certain objective, or non-infringement. While Southbourne Group strives to furnish precise and prompt information, there may be unintended technical or factual inaccuracies and typographical mistakes for which we ask your indulgence. We reserve the right to make amendments and necessary rectifications at any time.

 

Southbourne Group does not guarantee that the services contained in the materials will be uninterrupted or error-proof, that defects will be corrected, or that this website or the servers that make it available are without viruses or other adverse elements. Southbourne Group does not warrant or represent that the materials on this website are correct, precise, or dependable. You (and not Southbourne Group) assume the whole cost of all relevant servicing, repairs, or correction of your property or operations arising from any problems from utilizing this website.

 

Hyperlinks to other Site

 

We may oftentimes provide “hyperlinks” or, simply, “links”, to other firms’ websites. We furnish these links when we believe there are other websites that may assist or benefit you. This is provided as a service to you and should not be understood as an endorsement of any website, firm, product or service by Southbourne Group. While we strive as much as we can to furnish links only to those websites we think are trusted and dependable, we cannot be responsible for the content or accuracy of the data presented on those websites and we particularly waive any liability for any loss or damages which you may incur, directly or indirectly, from your use of them. We reserve the prerogative to disable a link to a third party blog at any time. If you leave this website via a hyper-link to another website, you do so at your own risk.

 

By visiting our website, you personally shoulder any risk that the Internet and online communications medium may not operate as intended in spite the efforts of Southbourne Group, your Internet Service Provider, and you.

 

Decisions based on data published on Southbourne Group’s website are the sole responsibility of the visitor, and as a result of using Southbourne Group site, the visitor consents to free Southbourne Group against any claims for damages resulting from any decisions the visitor makes based on such data.

 

You are not permitted to post on or transmit to or from this website any illegal, threatening, libelous, defamatory, seditious, scandalous, obscene, inflammatory, pornographic, or profane material, or any other content that could lead to any civil or criminal liability under the law.

 

Reports and Opinions

 

Newsletter downloads / brochure page downloads

Contact Information of Southbourne Group Singapore, Tokyo Japan

Southbourne Group Contact Us

 

Office Address 1:

 

Level 37, Ocean Financial Centre, 10 Collyer Quay, Raffles Place, Singapore 049315

 

Telephone: +65 31 590 969

 

Office Address 2:

 

Level 21, Shin-Marunouchi Center Building, 1-6-2 Marunouchi,

Chiyoda-ku, Tokyo, Japan 100-0005

 

Telephone: +81 3 4510 6150

 

Careers

 

If you are interested in applying for a position in our group of professionals, please fax your application letter and resume, or send an application e-mail.

 

In your application letter, kindly identify your special skills and the field of the company where you feel you would be of the greatest value. Please include your salary needs and professional references. All resumes submitted will be held confidentially.

 

Southbourne Group provides equitable opportunities to all its employees and does not discriminate against any individual employee on the basis of race, creed, color, belief or religion, ancestry, sex, ethnic origin, age or physical disability.

 

Candidates must provide documented track record in business development with plan sponsors. The personnel will work with existing consultant-relations and client-relationship management groups in providing the progress goals of the firm’s institutional business.

 

Website: http://southbournegroup.com/