Expand Your Wealth
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Allocation, instrument choice & total return
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Core markets and asset types assessed
0 yrs
Typical investing horizon we plan for
Client-first
Strategies built around your goals, not generic rules of thumb
Long-term structure
Portfolio Composition
Once you have a solid understanding of different asset types, you
can better implement those investments in your
strategy. At Assets Glocalization Unicorn , we believe the primary
driver of an investor's long-term success is having
the appropriate asset allocation—the mix of stocks, bonds, cash, and
other securities in an overall investment strategy.
A common industry view suggests that asset allocation should change
as you age, with a gradual shift towards "safer"
assets like bonds as you get older.
We disagree with this approach.
We believe this strategy could increase the risk of depleting your
funds in later years. Investors often underestimate
their future needs, including how long their assets need to last. If your goals require investment
growth, you likely
want to maintain a significant portion of your investments in stocks, as they have historically demonstrated superior
long-term growth compared to other asset classes.
At Assets Glocalization Unicorn, we believe your asset allocation shouldn't change frequently. We think it should only
be adjusted if your goals or circumstances change significantly. For instance, if you decide to retire earlier than
planned or need to make larger annual withdrawals than anticipated, you should reassess whether your asset allocation
still meets your needs. If not, adjust accordingly.
Clarity on your objectives
Before any allocation is designed, we focus on what “expanding your wealth” means in your context – lifestyle goals, time horizon, liquidity needs and risk tolerance.
Structure that can grow
We then translate your goals into an allocation that emphasises growth where it is needed, while still recognising the need for resilience and diversification.
Discipline through cycles
Finally, we help you stay disciplined through market ups and downs, reviewing your allocation primarily when your life changes — not just when markets move.
Investment Types
When you invest in a stock, what exactly are you acquiring? How do mutual funds differ from exchange-traded funds
(ETFs)?
It's surprising how many experienced investors lack complete or accurate answers to these essential investing questions.
Each asset type—stocks, bonds, annuities, mutual funds, and others—operates differently.
At Assets Glocalization Unicorn, we observe that many investors do not fully grasp how various assets function and
often overlook the risks involved. Before making any investments, we can help clarify the distinctions between these
asset types, empowering you to make more informed financial decisions.
Portfolio Earnings
Many investors prioritize income-producing assets like bonds and high-dividend stocks, especially when approaching
retirement. However, focusing solely on income can be problematic. It's crucial to understand the distinction between
dividends (a return of capital) and interest income (a return on capital). Dividends are voluntary payments that
companies can cut, leaving investors relying on them without steady income if the companies face distress. Concentrating on dividends alone can also lead to overexposure to certain market sectors that may have lower growth potential. At Assets Glocalization Unicorn, we believe looking at total return - both dividend yield and price appreciation - is
most important. This comprehensive approach
can potentially increase overall returns. We recommend a strategy we call "homegrown dividends" - periodically selling
stocks to generate cash flow that complements any dividend or interest income. By understanding income assets and
adopting a total return mindset, investors can build more resilient, lucrative portfolios. A balanced approach
considering both income and growth is often key to long-term investing success.
Portfolio Income Taxation
Your investment income strategy can significantly impact your tax situation, as different asset types come with varying
tax consequences. For instance, interest from corporate bonds is typically taxed at your ordinary income rate, while
profits from stock sales may be subject to lower capital gains rates, depending on how long you’ve held the asset.
Dividends can also be taxed at different rates, often lower than ordinary income tax rates, depending on the type of
investment and your income bracket. Additionally, the tax implications can vary based on the types of investment
accounts you hold, such as traditional IRAs or Roth IRAs, which have different tax treatments upon withdrawal.
Understanding these tax considerations is essential for optimizing your investment strategy and ensuring that you are
aware of how your income will be taxed. By being informed about the tax consequences of your investments, you can make
more strategic decisions that align with your financial goals.
How Assets Glocalization Unicorn helps you expand your wealth
Clarifying the role each asset type plays in your plan- Designing allocations that support long-term growth
- Combining income and “homegrown dividends” for cash flow
- Helping you navigate tax implications of portfolio decisions
- Reviewing your allocation when your life circumstances change
- Keeping you focused on total return and long-term outcomes
HAVE QUESTIONS?
Reach out to us
today
Discover why 155,000 clients* trust Assets
Globalization
Unicorns to manage their investments and how we can assist you
in achieving your financial goals. Our comprehensive approach ensures that you
receive the
guidance and support
necessary to make informed decisions for your future.
*As of 7/1/2024
New to Assets Globalization Unicorns? Contact Us.
*As of 7/1/2024
New to Assets Globalization Unicorns? Contact Us.