1 Followers
abileighton17

Southbourne Group Singapore, Tokyo Japan

At Southbourne Group, we pursue a time-proven investment philosophy and focus on people’s needs.

Southbourne Group Singapore, Tokyo Japan on Where to Keep your Cash

If you are holding on to some amount of money now and you want to stash it away somewhere, you might be led to choose the nearest or the most available financial institution already knocking on your door. Do remember that it is not about them but about you, the owner.

 

Deciding on the best kind of short-term savings account requires satisfying your own best interests and needs in such areas as the following:

 

Accessibility: Which do you prefer to use to access your account – check, ATM, online and others? How frequently do you expect to use it??

 

Interest Rate: Is the interest rate your bank or institution giving the highest you can get? If not, scout around for a better deal, if you can.

 

Quality of Service: Do you demand personalized service or are you more comfortable doing things yourself or do you prefer some minimal customer assistance? 

 

Penalties: In case you have a change of mind and want your money back sooner, what penalties will you incur?

 

It will help us assess the candidates now: 

 

Checking accounts

 

Generally, checking accounts best serve business transactions, not just personal savings. Most checking accounts, therefore, do not pay interests although there are banks who bundle the facilities of checking with money-market account earnings. Likewise, "asset management" accounts provided by brokerages which contain several attractive features, such as limitless check-writing, use of ATM access, and high money market interests, making brokerages more appealing to people with time

.

Benefits

 

You can access your money readily with a check or an ATM.

 

Also, if you long for the traditional personalized bank services of a teller, your bank is just around the next street corner.

 

Federal Deposit Insurance insures checking accounts like they do every bank account.

 

Downside

 

Your bank may not offer any return on your deposit; or if it does, it might be very minimal as to matter.

 

As most of us know, checking accounts may require a minimum retaining deposit or bank services charges --- maybe both, which could make you think twice before getting one.

 

Savings accounts

 

Formerly, savings accounts (also referred to as passbook accounts) were the most common places to keep money for a short duration. However, people are learning to stash away their treasures in investment instruments that offer greater returns. Today, savings accounts have practically shrunk in their ability to make money for you, if you have not noticed yet.

 

Benefits

 

FDIC insures your savings account to a certain amount.

 

You can open an account with a minimal starting deposit.

 

Downside

 

You get almost nothing for parking your money with a bank – a parking meter makes a lot more money just standing there.

 

Bank accounts with high returns

 

Today, savings and checking accounts can provide high returns, making them great money storage to cover your essential expenses. Flexible and liquid, these accounts allow you to put in or take out conveniently and any time you want to. There are some which offer interest rates equal with more exclusive investments, such as CDs. You can gain extra mileage on your money if you apply for an online-only bank which saves on costs by having fewer features than those offered by other accounts.

 

Benefits

 

Higher returns compared to conventional bank accounts.

 

FDIC insures high-yield accounts at par with other accounts.

 

Downside

 

Online banking can constrain you access to your money without the conveniences of checks and ATM cards.

Clients need to arrange their expenses by moving money to and from the online bank to a linked checking/savings or brokerage account. If you cannot wait for the usual delays – up to almost a week at times – for transactions to clear, then this may not be for you.

 

Beware of limited-time promo rates by investigating the provider’s six-month interest rate stats.

 

Money-market deposit accounts

 

Banks also provide money-market deposit accounts which often demand a minimum deposit balance, and allow a certain number of monthly transactions (six transfers, which include three checks issued on the account).

 

Benefits

 

Money-market deposit accounts can be easily accessed using checks, ATM cards and cash transfers.

FDIC insures money-market accounts like all bank accounts.

 

Downside

 

Because of the conveniences, you get lower returns compared to certificates of deposit.

 

You can be charged with penalty fees for going below your minimum balance or when you make more than the allowed number of transactions.

 

Money-market funds

 

Mutual families and brokerages provide money-market funds which are funds invested in highly-liquid, safe securities, e.g., certificates of deposit, commercial paper (short-term obligations offered by companies) and government securities.

 

Benefits

 

Money-market funds can be accessed readily using checks or ATM cards – a boon for the eager beaver.

Money-market funds often higher returns than money-market accounts.

 

Issuers of these funds work overtime to maintain the NAV (the funds’ unit price) at $1, making your principal rather secure.

 

Downside

 

FDIC, unfortunately, does not insure money-market funds.

 

The NAV limit may go higher than $1.

 

Certificates of deposit (CDs)

 

Debt instruments, such as CDs, have a prescribed maturity, between 3 months to 5 years. Banks usually issue CDs although brokerages also offer them.

 

Benefits

 

CDs are quite secure because they are FDIC-insured.

 

CDs can provide higher yields than money markets, especially if they have longer maturity periods.

 

Downside

 

You will have to wait for the CD to mature before you can get hold of it. Nevertheless, you can withdraw it earlier but with a penalty charge.

 

U.S. government notes or bills

 

Also called "treasuries", these notes or bills are fully secured by the trust and credit of the U.S. government.

 

Treasury bills take less than one year to mature; while treasury notes take 2 to ten years to fully mature.

 

Benefits

 

These are considered the safest investments in almost all countries.

 

You can buy these directly and commission-free, at TreasuryDirect.

 

They are also exempt from local and state taxes.

 

Downside

 

In terms of yield, you might be able to find higher returns from CDs, money markets and corporate bonds.

Withdrawing your money before maturity may cost you some losses on your original investment.

 

I Bonds

 

I Bonds are inflation-indexed savings bonds offered by the U.S. government which yield inflation-adjusted semiannual returns, thus, protecting your money’s buying power.

 

Benefits

 

The US government also fully guarantees I Bonds.

 

You are protected against inflation -- a capital personal “I” for any investor.

 

Many will be happy to know that these bonds are available in affordable denominations, as low as $50 and as high as $10,000.

 

You can acquire them from any reputable financial institution, as well as at TreasuryDirect.

 

Your returns are tax-exempt, locally and state-wide, and can also be tax-free if applied for post-secondary education purposes.

 

Moreover, taxes on your earnings can be deferred for as long as 30 years.

 

Downside

 

The minimum holding period for an I Bond is one year 12 months, and if you redeem it within less than 5 years, you have to pay a penalty equivalent to your three months' earnings.

 

Municipal bonds

 

Also called "munis" by the big players, municipal bonds are offered by local and state governments for the purpose of constructing schools and other public infrastructure projects. Munis appeal mostly to high-income investors seeking tax-friendly returns.

 

Benefits

 

Munis are almost as secure as U.S. securities.

 

Munis are exempt from federal taxes, and, perhaps, also local and state taxes, especially if you reside in the town government that issued the bond (look into the tax advantages before buying).

 

Downside

 

Munis offer comparatively lower Interest rates. If you belong to a high tax category, you can get better returns from other investment options.

 

You must shell out a commission to purchase munis.

 

Like some other investments, you cannot get all your money if redeem it before the maturity date.

 

Corporate bonds

 

Corporate bonds are debt bonds offered by firms, ranging from the high-yielding blue chips to the less-productive "cow chips". The higher the creditworthiness of the issuing company, the lower interest it pays. Moody's and Standard & Poor's classify firms that issue these bonds according to their ability to pay out their debts. Remember that only short-term bonds are suitable for short-term savings.

 

Benefits

 

Corporate bonds often give higher returns compared to money markets, government securities and CDs.

 

Downside

 

The issuing firm may end up defaulting on interest payments or even totally fold up.

 

Commission fees are charged to buy these bonds.

 

In case you have to withdraw your money, you will not get back your original invested amount.

 

Bond funds

 

Bond funds are mutual funds that put together investors’ money to purchase bonds of all kinds.

 

Benefits

 

These provide an attractive means to buy bonds in affordable denominations while providing the diversification to reduce the risks of picking out dud bonds from sluggard companies.

 

Downside

 

The NAV or the share price of a bond mutual fund varies, as interest rates of the bonds bought and sold within the fund fluctuate. As a result, it is uncertain whether you can recover your original investment when you need to. Moreover, returns on a mutual fund can fluctuate.

 

Owning the fund requires you to pay an ongoing expense called the "expense ratio" as well as a commission fee or "load".

 

Reference: Robert Brokamp article on the same topic.

Southbourne Group Singapore, Tokyo Japan on Privacy Policy

Because your Trust is so important

 

Your trust serves as the cornerstone of our relationship. This is why Southbourne Group conscientiously strives to protect your privacy. The information that you furnish us is held in the strictest of confidence. Southbourne Group does not intend to sell the personal data of our customers to third-party entities. Southbourne Group are happy to keep that obligation to you, because your trust in us vital to our business relationship. The following privacy policy illustrates how we make use of and safeguard our customers’ private information. Kindly read it carefully.

 

Notice of your Financial Privacy Rights

 

We, our, and us, as alluded to in this notice, refers to Southbourne Group. This is our privacy notice for our customers. When we mention the words “you” and “your”, we refer to several types of clients based on their involvement with us.

 

Our consumer clients are those who have an ongoing relationship by acquiring or holding financial products or services such as an:

 

  • Self-directed Individual Retirement Account
  • Financial, investment, or economic advisory services
  • Mutual fund shares
  • All IRA accounts for which we serve as custodian
  • All individuals who use our trust department
  • Former customers

 

Southbourne Group will inform you accordingly as to the sources of the information we gather about you. Moreover, we will let you know what measures we take to protect that information. Let us define some terms beforehand:

 

Nonpublic Personal Information means information about you that we acquire in connection with furnishing you a financial service or product. To help the government control the financing of terrorism and money laundering schemes, Federal law requires all financial institutions to acquire, validate, and record data that identifies every person who opens an account. Hence, when you open an account, we will require you to furnish your name, address, date of birth, and other data which will allow us to identify you. Southbourne Group will also request you to show us your driver’s license or other identifying papers.

 

Nonpublic personal information does not include information which is available from public archives, such as telephone directories or government documents. Hereafter, we will use the term “information” to mean nonpublic personal information as already defined in this section.

 

An affiliate is a firm we own or manage, a firm which owns or controls us, or a firm which is owned or controlled by the same company that owns or controls us. Ownership does not necessarily mean absolute ownership, but owning enough of the company to have management control.

 

A nonaffiliated third party is a person we do not employ or a firm which is not affiliated to us. We refer to this also as a nonaffiliated third party, or simply as an “other party”.

 

The Information we Collect

 

We gather information about you from these sources:

 

  • Information you furnish us on applications or other forms
  • Information about your dealings with us
  • Information about your dealings with our affiliates
  • Information we disclose about you

 

Southbourne Group does NOT divulge any data about you to anyone, except as allowed by law. This might include disclosures necessary to process your account, undertake joint-marketing or prevent illicit transactions.

 

Destruction of Sensitive Data. All records and information are carefully shredded before disposal. Destruction of documents is undertaken by authorized employees and/or bonded firms when the shredding of huge quantities of records is necessary.

 

The Confidentiality, Security, and Integrity of your Information

 

Southbourne Group confine access to data about you to staff members who need to know that information to furnish products or services to you. We keep physical, electronic, and procedural protection to secure this information.

 

Information about Former Clients

 

Southbourne Group has the same policy about divulging data about former customers as we do about present ones. Southbourne Group does not gather account or personal information from visitors who browse the public sections of our website. Southbourne Group does use “HTTP cookies” – tiny pieces of information that the company requests your browser to store. However, the company uses these cookies merely for website statistical information only. The company does NOT use them to acquire your e-mail address, or to view information in cookies created by other websites. Southbourne Group will not share the data in our cookies or give them to others.

 

What You Can Do

 

To protect your nonpublic, personal data, the company suggests that you do not divulge your account data or username and password to anyone. If you become suspicious of any activity like fraud with regard to your account, kindly contact us as soon as possible.

Private Wealth Management of Southbourne Group Singapore, Tokyo Japan

Private Wealth Management

 

Welcome to client-focused Private Wealth Management.

 

At Southbourne Group, we assist families and individuals safeguard their richly-deserved assets while striving to attain their financial objectives that keep them challenged.

 

As a Southbourne Group customer, you will connect with a Relationship Manager who will personally come to know you and your objectives. Your Relationship Manager heads a group of experts that supervise each item of your wealth management approach – from implementing your tailor-fitted portfolio and furnishing you with meticulous reporting, to satisfying your queries and addressing your daily requirements.

 

At the core of our portfolio development strategy is the Enhanced Balanced™ Portfolio. To know more about this time-proven investment structure, browse the portfolio’s incorporated funds shown as follows:

 

Enhanced Balance Allocation

 

An extensive allotment approach from Southbourne Group is founded on our Enhanced Balanced Allocation – an asset approach strategy created utilizing remarkable return/risk and correlation data, merged with our proprietary capital market projections. This proprietary allocation approach is intended to increase potential revenue while reducing risk, and offers the structure for our customers’ portfolios.

 Enhanced Balance Allocation

 

As a customer, your portfolio will include:

 

  • A participative approach to setting up an asset allotment policy and rebalancing recommendations using the firm’s proprietary capital market projections.
  • Openness to a tailor-fit asset combination that will address individual investment goals and degree of risk tolerance.
  • Accessibility to several managers to obtain exposure to an assortment of investment approaches and principles.
  • Professional investment management groups that offer input on underlying asset types and suggested goal weightings.
  • An attractive fee schedule founded on degree of assets – not the quantity of asset types.

 

Private Wealth Management

 

At Southbourne Group, we assist families and individuals safeguard their richly-deserved assets while striving to attain their financial objectives that are important to them.

 

As a Southbourne Group customer, you will connect with a Relationship Manager who will personally come to know you and your objectives. Your Relationship Manager heads a group of experts that supervise each item of your wealth management approach – from implementing your tailor-fitted portfolio and furnishing you with meticulous reporting, to satisfying your queries and addressing your daily requirements.

 

At the core of our portfolio development strategy is the Enhanced Balanced Portfolio. To know more about this time-proven investment structure, browse the portfolio’s incorporated funds shown as follows:

 

Private Wealth Management Client Relationships

 

Investors Relations

 

Corporate Profiles

 

Southbourne Group offers investment management assistance to institutional investors, private capital customers and investment intermediaries. Southbourne Group administers an assortment of investment methods, Global and Emerging Markets equities as well as income-based portfolios. Use to these methods is accessible through segregated accounts, co-mingled funds and mutual funds.

 

The Business of Southbourne Group Singapore, Tokyo Japan

 

Southbourne Group strives hard to minimize risk and retain transparency in our customers’ portfolios, as well as in our enterprise. Southbourne Group sustains a healthy balance sheet with no liability and a minimum one-year’s value of working capital in hard currency always. Southbourne Group does not make use of leverage, take deposits, or make loans.

 

As a publicly-traded firm, a registered investment counselor, and a state-certified trust firm, Southbourne Group is under several tiers of supervision.

 

Role in the Community

 

Welcome to a Cultrate that Cares.

 

Southbourne Group has a vast experience of serving the cause of a more resilient community and self-reliant future. Through our ideas and accomplishments, the company plays a vital role in creating a greener, more vibrant economy.

 

To create a concrete change in our community, the company inspires all of our workers to participate. Our labors are not merely oriented outward; the company invests a significant amount of psychic and material capital to produce a vigorous and joyful place to establish a career in helping clients succeed.

 

Company Culture

 

For each incoming year, the company all anticipates productive moments and demanding times – both as individuals and as a group.

 

Institutional Investing

 

Welcome to goal-oriented Institutional Investing.

 

At Southbourne Group, the company assist institutional investors expand their portfolios, manage risk, and achieve excellent long-lasting performance.

 

Corporate pension and public retirement programs, foundations, endowments, mutual funds, and high-net value individuals trust Southbourne Group for entry to an assortment of investment instruments to aid them attain their objectives.

 

  • Our Single Investment Institutional Approaches are intended to assist bigger institutional investors identify certain asset types and market areas that match their general portfolio.
  • Our Comprehensive Asset Allocation Strategy is created to aid smaller firms and high-net value individuals invest in a more favorable mixture of Southbourne Group methods.

 

As a Southbourne Group customer, your service group includes primary and secondary Client Relationship Managers, a Client Advocate, and an Operations Specialist – all committed to continually keep you informed and served well.

 

Please get in touch with us to find out which Southbourne Group Investment Strategy perfectly suits your needs.

Southbourne Group Singapore, Tokyo Japan on Investments

Southbourne Group Singapore, Tokyo Japan on Investments

 

Southbourne Group Personal Strategies are diversified portfolios that assist institutional customers leverage our sensible, value-based investment approach to aim for particular asset types and market areas.

 

Southbourne Group Large Cap Value

 

The Southbourne Group Large Cap Value Strategy invests in about 40 to 60 firms with appealing evaluations. The portfolio group searches for high-quality firms with potentials for future productivity that are considerably stronger than what is presented in the present stock value. Firms with enough free cash-flow and low-debt are selected.

 

Portfolio risk is managed by restricting the expected weight of each holding, setting maximum position boundaries, and constricting sector weightings. The beta of the portfolio is commonly below that of the market.

 

Buy Discipline

 

Firms are strictly scrutinized and factors measured in evaluating securities include:

 

  • Increasing ROE (Return On Equity)
  • A decreasing debt/equity ratio
  • Positive cash-flow
  • Positive revenues surprise without a matching increase in Wall Street profits estimates.

 

Sell Discipline

 

The Sell Discipline is vital to managing portfolio risk and includes:

 

  • Stock attains ultimate price goal.
  • Fundamental change in firm or sector that adversely affects initial investment concept.

 

Southbourne Group Income Opportunity

 

The Southbourne Group Income Opportunity Fund is a dynamically administered portfolio that aims to produce active revenue with asset increase and tax competence by concentrating on firms with cash-flow that is stable enough to maintain a continuous or growing dividend. The fund selects dividend-issuing common stocks, preferred stocks, convertibles securities, royalty trusts, energy MLPs, REITs, and certain debt instruments.

 

Investment Approach

  • Offers greater present revenue than those of conventional fixed-income instruments.
  • Vigorously administered portfolio of liquid and transparent securities.
  • Invests in an assorted group of revenue-producing asset types.

 

The Fund’s Investment Universe Include:

 

  • Preferred Stocks
  • Dividend-Paying Common Stocks
  • Convertible Securities
  • Bonds and Other Debt Securities
  • Real Estate Investment Trusts (REITs)
  • Master Limited Partnerships & Trusts (MLPs)
  • Money Market Instruments
  • Inflation-Sheltered Securities

 

Southbourne Group Dividend Growth

 

The Southbourne Group Dividend Growth portfolio focuses on long-lasting capital growth through bottom-up security options while concentrating on firms with a consistent and rising dividend output. A minimum of 80% of the portfolio is put into securities that provide a dividend presently. The procedure favors firms with high cash-flow turnover on capital and appealing valuations. The strategy invests in about 40 to 60 firms with market capitalizations higher than $1 billion.

 

Investment Approach

 

The process starts with several quantitative evaluations that are intended to pinpoint top-quality firms with characteristics such as attractive valuation, an excellent degree of cash-flow return on capital, consistent dividend, and a manifest dedication to increasing the cash-flow payoff.

 

When such firms are pinpointed, they undergo a proprietary Multi-Factor evaluation which categorizes firms based on:

 

  • Valuation
  • Free cash-flow measurements
  • Revenues quality, comparing economic returns to GAAP (Generally-Accepted Accounting Principles) returns.

 

The firms that rate in the top quintile are evaluated subsequently by the fundamental research group, and those exhibiting viable fundamental structures are deemed qualified for acquisition by the portfolio group.

 

Risk management procedures involve a sector weight limit of 25% on an absolute basis, exposure to a minimum of six sectors, and at most 5% position size.

 

Sell Discipline

 

Sell motivations may include:

 

  • Decrease in the proprietary Multi-Factor grade standing.
  • Decrease in the dividend payout.
  • Infringement of the investment hypothesis.
  • Attainment of the price goal initially set.

 

Southbourne Group Global Equity

 

The Global Equity Strategy provides investments in the common stock of 65 to 85 firms based worldwide, with market capitalizations over USD $1 billion.

 

We believe that investments in viable enterprises that are valued incorrectly and that can produce high and consistent revenues growth will allow excellent economic returns on a long-term basis.

 

A bottom-up firm evaluation process that is mixed with a country allocation structure is the main factor in our decision-making method. In depth, proprietary fundamental investigation undertaken by the group of portfolio managers and analysts on an international scope is used to uncover promising market stocks with consistent earnings growth and Economic Value Added (EVA) potentials unnoticed by the market, at appealing assessments.

 

Buy Discipline

 

Preliminary screens are used to limit the collection of investable firms by searching for firms with necessary trading liquidity, market capitalization and Cash Flow Return on Investment (CFROI) measurements.

 

When the first list is created, Research Analysts undertake additional industry-defined evaluations and screen the list further through sector-defined evaluation multiples and/or operational parameters. The Analysts and the head Portfolio Manager then create a Priority List of the top contenders for farther due diligence based on both qualitative factors and sub-sector dynamics.

 

Fundamental evaluation is undertaken in three phases:

 

  1. Qualitative evaluation aims to comprehend and estimate a firm’s franchise worth, competitive edge over other firms, growth motivators and management orientation.

 

  1. Quantitative evaluation, on the other hand, scrutinizes and assesses the firm’s financial statements for the last 1 to 2 operational cycles as well as predicts its performance through the coming 3 to 5 years.

 

  1. Computation of fair value: Utilizing the discounted cash-flow method, along with parameters such as P/E, price/cash flow, and enterprise value/ EBITDA, we estimate a reasonable fair value price.

 

Sell Discipline

 

Stocks acquired in the portfolio are kept until a new option with better fundamentals and revenue characteristics is identified. All portfolio holdings and contenders are assessed within the scope of the general portfolio. There are no instant sales of securities; however, prospective sell stimuli may include achievement of fair value and decrease in worth or essential quality.

 

Southbourne Group Emerging Markets

 

The Emerging Markets Strategy invests in the common stock of 70 to 90 firms that are situated, or conduct major operations in expanding markets and have market capitalizations of more than USD $500 million. We believe that investments in viable enterprises that are not correctly valued and can produce positive and consistent revenues growth will allow excellent economic returns on a long-term basis.

 

A bottom-up firm selection strategy is the main asset in our decision-making procedure. In-depth, proprietary fundamental investigation undertaken by the group of portfolio managers and analysts on a worldwide scope is utilized to uncover rising market firms with consistent revenues increase and Economic Value Added (EVA) potentials not identified by the market, at appealing appraisals.

 

Buy Discipline

 

Preliminary filters are used to limit the scope of viable firms by searching out those with necessary trading liquidity, market capitalization and Cash-Flow Return on Investment (CFROI) parameters.

 

After the first list is produced, Research Analysts undertake additional industry-based filters and evaluate the list further through sector-sensitive estimation multiples and/or operational measurements. The Analysts, and lead Portfolio Manager then create a Priority List of the best prospects for greater due diligence based on qualitative factors and sub-sector patterns.

 

Fundamental evaluation is undertaken in three phases:

 

  1. Qualitative evaluation aims to comprehend and estimate a firm’s franchise worth, competitive edge over other firms, growth motivators and management orientation.

 

  1. Quantitative evaluation, on the other hand, scrutinizes and assesses the firm’s financial statements for the last 1 to 2 operational cycles as well as predicts its performance through the coming 3 to 5 years.

 

  1. Computation of fair value: Utilizing the discounted cash-flow method, along with parameters such as P/E, price/cash flow, and enterprise value/ EBITDA, we estimate a reasonable fair value price.

 

Sell Discipline

 

Stocks acquired in the portfolio are kept until a new option with better fundamentals and revenue characteristics is identified. All portfolio holdings and contenders are assessed within the scope of the general portfolio. There are no instant sales of securities; however, prospective sell stimuli may include achievement of fair value and decrease in worth or essential quality.