OUR SERVICES

PORTFOLIO MANAGEMENT

Effective long-term portfolio management requires a combination of patience, discipline, experience and confidence. Most people are strong in some of these attributes but not all and that’s where they benefit from the objectivity of professional investment advice. Furthermore, making informed investment decisions requires a great deal of time and effort. It involves research, understanding markets and economic forces and fitting individual securities into a strong overall investment plan. Most investors benefit from working with a professional financial advisor.

Global Asset Management advisors have the skills and experience to guide you in determining your fiscal needs and ensuring that you meet these needs by growing your capital and enhancing your financial security. We employ a wide range of strategies to ensure proper diversification, minimize taxes and maximize objectivity during times of market instability. Our goal is to guide your decision making to keep you on track to meet all of your goals, whether short, medium or long-term.

Whether you are a new investor or experienced in the market, you can benefit from working with Global Asset Management professionals on many issues, including some that you may not have considered:

Retirement: Using proprietary formulae, we can help you establish your future financial needs and create a plan now to ensure you’ll be able to retire comfortably.

Contingency Fund: Life happens. Thinking about issues pertaining to health or job loss is unpleasant but you will sleep better knowing that you are prepared for all eventualities.

Savings and Income: People have many goals in life aside for preparing for retirement. Whether you have dreams of starting a business, travelling the world or taking time off for child rearing, we can help.

Estate Planning: You work hard to build your wealth – we’ll help ensure you have a plan in place to shelter your assets from taxation and also to ensure a fluid transfer to your heirs.

Education: Whether you are saving to help fund a child or grandchild’s education, or planning a sabbatical to further your own education, we can help establish a plan.

Insurance: There are various types of insurance, and they should be reviewed and taken into account when evaluating your overall financial situation and investment plan.

GETTING STARTED

We will create an investment plan that is a road map to meeting all of your financial needs. In order to do this, your investment advisor will discuss many issues with you. Questions will pertain to issues including your risk tolerance, your current assets, your personal situation and time horizon. Whether you are an open book or more conservative, we will proceed at a pace comfortable to you.

The more information you are able to give your investment advisor, the better we can guide you. Take some time to gather and review your important documents, including bank statements, investment account statements, insurance policies and estate plans. Once your plan is established and implemented, your advisor will review it with you on an annual basis. It is a working plan, and may be changed at various intervals to reflect changes in your life situation. Once your investment plan is established and implemented, you’ll have more time and energy to devote yourself to what is important in your life.

RETIREMENT

Everyone has different visions of retirement. For some, this includes taking it easy and playing daily rounds of golf. Others may see it as a new chapter in life and an opportunity to fulfill a dream of starting a small business. Maybe you want to travel, go back to school, or relocate. No matter your vision, everyone wants financial security. We are here to ensure you have that so you can enjoy this new chapter in life on your own terms.

INCOME

People can no longer count on pensions and governments for a comfortable retirement. The key element of retirement planning is making sure you have enough income. This can certainly include government and other pension sources but this is rarely enough. Once you establish your income needs, your advisor will help you work backwards to figure out how much capital you will need to generate sufficient retirement income. You may have more than sufficient capital now, or you may need to tighten your belt and save more. The key is to take an honest look as early as possible at where you stand, and what you need to do to get where you want to go. Our goal is to get you to a point where you can both live comfortably now and have peace of mind about your future.

CHANGING INVESTMENT OBJECTIVES

As you move towards retirement, we will help you to make the gradual changes appropriate to a maturing portfolio. Depending on your personal situation, this can include gradually changing to more conservative investments that include both growth and income, like bank and utility stocks. Your asset mix might change as well, tilting towards additional fixed income products. Each person is unique. At retirement, capital preservation and income generation become dominant investment objectives.

OTHER FACTORS TO CONSIDER

People are living longer and are more dependent on their savings and investments to fund their retirement. This makes it increasingly important to work with a professional to keep things on track. There are many factors to take into account when establishing a retirement plan, some of which are difficult to factor in. Experienced investment advisors will help you with the math, and ensure that all possible variables have been taken into account.

Time Horizon: Establish measurable projections of time working, time retired, and time until retirement. Actuarial insurance tables are helpful in certain estimates. The period of time until you retire will have the greatest immediate influence on the asset allocation in your portfolio. While some may be tempted to be more aggressive to reach certain targets sooner, it is generally best to temper one’s impulses and ensure wealth preservation and steady capital appreciation. If one is a long way from retirement it’s ok to be more aggressive, but as the time horizon shortens, it pays to be more conservative. Liquidity, income and capital preservation will dominate.

Inflation and Interest Rates: These are impossible to predict over the long-term. But inflation is generally accepted as a part of modern life. Having all of one’s assets in fixed-income securities certainly minimizes market risk, but they will not grow over the long-term enough to keep up with rising prices. Inflation risk refers to the decline in purchasing power of savings and investments. In order to keep pace with inflation a portfolio needs capital appreciation and this is best achieved by having a large portion of one’s assets invested in the stock market. Stocks provide the most growth, however they also can involve greater short term price fluctuations. This is another reason to get professional investment guidance from an Global Asset Management advisor.

Taxes: Another inescapable part of modern life. When you retire, your tax bracket may change. Depending on where you live, you may also get different tax treatment on dividend income compared to interest income. This can have a measurable effect on one’s optimum asset allocation. When calculating needed capital and how best to generate retirement income, several taxation issues need to be factored into your plan.

START NOW

The most important thing in determining a successful retirement is to start as early as possible. Whether your retirement is 5 months or 50 years away, talk to an Global Asset Management advisor to ensure you are on the best track possible. There are many things to consider, and your investment professional is experienced in consolidating the big picture into a straightforward and workable plan.

ESTATE PLANNING

Estate planning involves thinking about how you want your assets distributed once you pass away. It can be as simple as drawing up a will and can involve more complicated structures like trusts to protect the assets from tax or to control scheduled distribution. With some planning, it is generally possible to prevent heavy taxes and inheritance complications so you can best protect the people and causes that are important to you.

People are often reluctant to organize their estate because if can involve difficult discussions about emotional issues. Global Asset Management advisors can help you get started with effective estate planning to ensure that you minimize taxes and maximize the wealth you pass on. Once you have worked through the basics, it is much easier to take the necessary steps with an estate lawyer. Working through these questions also gives your advisor a deeper understanding of who you are and what is important to you, furthering his or her ability to provide optimal financial guidance.

INITIAL QUESTIONS

  • Do you have a will?
  • Do you trust your executors and trustees?
  • Do you have a living will?
  • Do you have or need a living trust? Which assets are held in the name of the trust?
  • Have you designated a power-of-attorney in the event that you are not able to make decisions for yourself?

FURTHER CONSIDERATIONS

  • Designating a guardian for minor children in the event you and your spouse are deceased
  • Lump sum or controlled distribution of assets or income from a trust
  • Planned giving for charities and causes you care about
  • Minimizing estate tax
  • Ensuring adequate life insurance is in place to protect loved ones

YOUR BUSINESS

  • Establish a management succession plan
  • Establish a buyout plan for your business interests
  • Do you require a separate executor to deal with your business interests?

    Global Asset Management was founded on the principals of providing excellence in customer service and wealth management. Many years later our approach has remained the same. We pride ourselves on our long-term and multi-generational relationships.

    ADDRESS

    17F East Center
    Center 1 Building
    26 Euljiro 5 gil
    Jung-gu
    Seoul 04539, Korea

    PHONE

    +822 3478 4126

    EMAIL

    info@global-asset-mgmt.com