Wealth management & building
“What are your wishes and dreams? And how do you plan to finance this?”
Step by step
You need money to make your wishes or dreams come true in the future. In the longer term, examples are pension accrual for a care-free old age, or maybe you want to stop working earlier or be able to do so? Maybe a short-term wish is for your children to study (without student debt)? Or perhaps you are dreaming of a trip around the world or a holiday home?
What is your goal? That is an important question in case of wealth building. The goal largely determines how much risk you can or want to take. If the capital is intended as necessary retirement income, it is more important that the final capital is achieved than if you are saving for a world trip.
Is your goal pension accrual? Then we will also focus extensively on the possibilities of doing this net or in an annuity (gross). The investment in an annuity is now tax-deductible.
Do you want a better return on your savings? Of course we take into account the risk that you do or do not want to take. Do you want to build up capital? Making a monthly contribution to your investment account provides a lot of extra return. Especially if you start in time and spread the investments well. What is sensible? And what do the tax authorities do?
Many questions! Together we will make a plan as to how we can best grow your assets.Read more
Savings and investments
Keeping your savings in the bank may feel very safe, but with the current low interest on savings combined with inflation (2% on average) and taxes, there is a good chance that you will not achieve any return or even get a negative return. So you will not achieve your desired goal by saving money.
There are many ways to invest
In a number of steps, together with you we will determine how we can grow your assets with an acceptable risk so that you can realise your dreams.
This is a nice word to indicate how much time you have to reach your goal. If at the age of 55 you want to build up some extra capital for your pension, your investment horizon is considerably shorter than if you decide to do this at 35. A temporary drop in prices will be easier to absorb or make up for if you still have a long period of time ahead of you.
In addition to a number of elements to be determined more objectively, your risk experience as an investor also plays a role. If it keeps you up at night when the prices have fallen by 10%, then a higher risk profile is probably not for you. Although you may know and understand that more risk usually also yields more return, a good night’s sleep is also important.
We draw up your risk profile by properly coordinating the goal, your horizon and your risk perception. This is the ratio between shares and bonds. The more you invest in shares, the higher the risk, but so is the expected return.
Diversify your portfolio
Active asset management does not involve investing in individual shares. This means that there are always investment funds in your investment account. This is how you immediately create a lot of diversification because dozens of shares or bonds are included in a fund. By including different investment funds, a spread across the different continents and sectors is ensured. We work closely with carefully selected international asset managers to offer you even more opportunities to diversify your investments.
Let's get started!
The first thing when getting started is knowing what your dreams and wishes are. If you know what your goal is, it’s much easier to stick to the plan. If you start in time, you have more time to build up your capital and you need a lower monthly investment. In addition, you have more time to make up for a bad period.
Nothing is more personal than your dreams and wishes for now and the future. That is why I would like to know about your current situation, so we can make this a reality.
Are you going for a one-off (large) investment or are you going for a monthly capital accumulation? Or do we make a combination between the two? Each advice is tailor-made and ensures responsible capital accumulation.
Would you like to know more? Please take a look at the webinar that we organised with NNEK Vermogensopbouw: Bit.ly/WebinarKanzzmetNNEK.
Together we determine what you want to build up capital for. And how important is it that you achieve this goal?
We determine how much time you have to achieve your goal. The more time there is, the more risk you can take responsibly and the lower your monthly investment needs to be.
This is the ratio between shares and bonds. The more you invest in shares, the higher the risk, but so is the expected return.
I will give you personal advice based on your goal, horizon and risk profile. You can invest in different ways. What suits you?
If you like the plan and we have made all of the choices, I will request the corresponding products that we can subsequently discuss together.