Q: What affects the value of money?
A: Money has a tendency to lose its value over time because the price of goods and services has an upward tendency. This is called inflation. Here are some factors that could eat away your money.Inflation. Simply, inflation occurs when the price of goods and services rises. And when prices rise, people will ask for a rise in salary. That's why the money you earn today will be worth less 10 years from now.Interest rate fluctuations. A drop in interest rates means a smaller return on your deposits, and if the interest rate is lower than the rate of inflation, your savings lose value. But for some investments, such as equities and bonds, the value of your investment may rise because of the drop in interest rates.
Q: When should I start planning for the future?
A: The sooner you start, the better. The example below shows the difference in accumulative savings between Mr. Early and Mr. Late, who start saving at different times.
Q: What types of financial tools can I invest my money in?
A: You can choose from a range of different financial tools: insurance products, investment products,savings and time deposits. Traditionally, savings or time deposits are the safest place to put your money, but often offer lower rates of interest. Investment products usually offer potentially higher returns but with a greater risk.
Q: Is there any fee to be charged?
A: Opening an investment account does not incur any fees. However, there may be other account fees applicable depending on the nature of the account and the products held in the account. Besides, there may be transaction fees involved when you buy or sell investment products. Please consult our staff should you have any queries.
Q: How do I verify my identity and address?
A: According to our KYC policy, we need to ask for ID and proof of address.
Q: What type of investment can I make with Talenter Trading?
A:
Talenter offers discretionary portfolio management services, according to your economical profile. We diversify your portfolio using ETF's, stocks and shares.
Q: What does high liquidity mean?
A: Liquidity refers to how easily and quickly an asset or security can be bought or sold in the market without causing a significant impact on its price. Market liquidity reflects how efficiently a market — such as a national stock exchange or a local real estate market — facilitates transactions at stable and consistent prices.
Q: How can I see my portfolio's performance?
A: You can access your account at any time to view comprehensive statistics and monitor your portfolio’s performance in detail.
Q: How do you make investment decisions? Do you rely on quantitative decision or mathematical models or do you rely on using judgment, experience, and intuition to make investment decisions?
A: Our investment strategies are grounded in mathematical models and quantitative decision-making. We utilize market data as the foundation for these models, which help define appropriate asset classes based on both statistical analysis and the individual investor’s profile. For instance, if a client selects a conservative investment model, we identify suitable asset classes accordingly and then select specific instruments that align with that risk profile.
Q: How does investment risk and reward work?
A: Risk and reward go hand in hand. The greater the potential return, the higher the level of risk involved. Likewise, pursuing higher growth also increases the possibility of loss. We understand that when you invest, it’s not just about knowing your potential gains — it’s equally important to understand the risks you’re taking. That’s exactly what our investment portfolios are designed to help you evaluate and manage.
Every type of investment carries its own level of risk. Generally, the higher the risk, the greater the potential return — but also the greater the possibility of loss.
Q: Why is rebalancing important?
A: Portfolio rebalancing is extremely important because it helps investors to maintain their initial asset allocation. By periodically rebalancing, investors can diminish the tendency for "portfolio drift,"and thus potentially reduce their exposure to risk relative to their target asset allocation.
Q: What is strategic asset allocation?
A: Strategic asset allocation is a portfolio strategy that involves setting allocations for various asset classes and rebalancing periodically. The portfolio is rebalanced to the original allocations when they deviate significantly from the initial settings due to differing returns from the various assets.
Q: What is Asset Correlation and why is correlation important?
A: Asset correlation measures the relationship and degree of dependency between two or more assets. It plays a key role in asset allocation, as the objective is to build a portfolio by combining assets with low or negative correlation — helping to reduce overall risk through diversification.
Q: Does portfolio manager change your asset allocation in light of economic conditions?
A: The portfolio manager may exercise discretion to make slight adjustments to the original asset allocation in response to changing economic conditions. However, these adjustments will be carefully managed to ensure that the portfolio remains within its original category and does not deviate from its intended investment profile.
Q: Do I have a dedicated relatoinship manager?
A: You can contact your dedicated Relationship Manager through multiple channels.
Q: what distinguish your firm from others?
A: To address your unique wealth management needs, we offer wealth planning services provided by a professional wealth management team made up of your dedicated Relationship Manager, 24-hour Wealth Service Team, financial advisors and specialists in various areas of finance. We keep you abreast of market moves and present insightful strategies to help you realise your financial goals.
Q: Are there restrictions on funds deposited to my account?
A: We don't accept payments from 3rd party, bank-wire needs to be sent from bank account under your name. The amount of your deposit is not limited.
Q: How do you keep me updated?
A: We provide you with the latest market insights and professional investment commentary to catch up with market trends. Our team of experts will host regular webinars to provide the latest market information and insights.
Q: Do I need to pay taxes from profits?
A: Every government has different tax procedures, in order to find out more informations, please contact relevant government tax office in your domicil / country. We don't provide advises regarding tax.
Q: Who is Talenter Trading?
A: We provide technology based asset management and custodian services, tailored to your investment needs and goals. Talenter will deliver a well-diversified portfolio which you can monitor in real time.
Q: How does portfolio management work?
A: We believe that best results are achieved when individual needs are taken into account. This is the reason we work with investment models developed for different investment goals, unique investor profiles and various scenarios. Whether you are cautious and limiting risk to the minimum, or adventurous and willing to take more chance in your investments, you will find the perfectly fitting style for yourself within the range of our investment models.
