Richard Cayne – Helping You Get The Best International Life Insurance Account

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With over 17 years of experience, Richard has gained a reputation that is well known around the International Investment industry in Asia.

It is an undeniable fact that today life insurance is almost a necessity for everyone. With uncertainty everywhere,  you never know what can happen next and therefore it is very important to at least minimize the risks. For this reason a good life insurance plan may make sense for you.

There are a number of companies as well as agents and consultants available to help you select the life insurance package for you. However with so many options available, now the question arises it is ok to go for any consultant or company? Not all consultants offer the right unbias advice as their main objective is to make money from you. But then is it not possible to get the right person to offer you the right advice? Richard Cayne believes it is if you are dealing with a professional that takes their reputation as a professional as serious as the advice they give.

At present Richard Cayne is working as a Managing Director at the reputed firm known as Meyer International Ltd in Bangkok in Thailand. Prior to this position, he worked as a financial consultant for over 15 years in Tokyo,  Japan. During this long career, he assisted a very large number of people by supplying useful information and guided them to select the right insurance options.

It is through his quality work that he has gained a kind of reputation that is really very difficult for most of the agents or consultants to acquire. During this period, he offered guidance on a number of matters and helped people get known to the most suitable and reliable options for them.

Richard Cayne offers guidance on a number of matters like asset allocation, personal financial planning, Investing, offshore investment, financial consulting, private banking , hedge funds and to name a few.
So if you are in trying to determine which International life insurance option that can benefit you in the most suitable manner, then let Richard Cayne help you out. Let his years of experience and unblemished reputation in the market assist you in choosing the right path. You can certainly discuss a number of other financial matters with him and gain knowledge through his experienced advice.

All About Richard Cayne Meyer Asset Management Ltd.

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The investment into an insurance policy is a very crucial decision where one has to be very careful at the time of taking the decision. To take a correct decision one should either study in detail about the topic or should seek the advice from a financial expert who can help you in the right direction. Whenever the topic of a good financial consultant comes up in Asia the first name that comes to mind is Richard Cayne Meyer.

Richard Cayne is a popular man who has a unique identity in the field of investment and has gained much popularity and the respect of his peers within Asia. Presently he is working as a Managing Director of Meyer Group of companies and prior to this Richard Cayne was a financial consultant for around 17 years and has worked in countries like Bangkok Thialand and Tokyo Japan.

To help people in a dilemma about investments Richard Cayne Meyer Asset Management Ltd. has provided some important points to make people understand that to make an investment is a wise decision if:

  • The mutual funds that are offered are available in varieties of forms like money market funds, stocks, balanced funds, bond funds and many more. The company offers varieties of portfolios which depend on the capability of an investor’s ability at risk tolerance. Where the chances of risks are more there the benefit rates are also very high. So if you can afford to take a risk, then you might be able to get the profit beyond your expectation.
  • Richard Cayne Meyer Asset Management Ltd. also stated that properly planned investments will surely benefit you in the long run especially if coupled with tax efficiency. Tax obligations may be reduced depending on the situation of the individual which is one reason why many look at offshore investing.
  • In this type of investment you can maintain privacy of your investment so no one other than you will be aware of what you have. You just have to tell the company about your expectations and the company will take all the necessary and appropriate actions to meet your expectations.

The company has gained huge popularity among its customers because of its excellent services and high customer satisfaction. So if you are looking for the right financial advisor for you, then you can count on Richard Cayne for sure.

Richard Meyer Cayne – How to Feel Comfortable Taking the Investment Leap of Faith with Your Hard Earned Money

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After working hard to save some money after all taxes paid and expenses come out of your income if you manage to save a good portion of it then do you have the stomach to look at investments which may not perform as expected? This is a tough decision to make for most people says Richard Cayne at Meyer International in Bangkok Thailand.

Particularly if you have invested over the past five years you know all about roller coaster rides and this can really be stressful for many people. One way to feel comfortable about the roller coaster or the volatility that your funds may experience in the markets is to understand why the volatility exists and what influences are out there which could impact your investments. Richard Cayne of Meyer has been guiding Asian based High Net Worth Individual clients (HNWI) on what to do with their hard earned money for the last 17 years while working for over 15 years in Tokyo Japan and now a few in Bangkok Thailand.

Richard Cayne explains how the regulatory regime in Asia and around the world has changed so much to where it is better having your investment advisor or financial consultant located in a separate country to where you are not only due to confidentiality issues but also so as to stay within the laws as Richard points out that these days due to registration requirements of not only the investments but also the consultants themselves it is not easy to get truly global unbiased advise from a consultant within your own country anymore. Local consultants are now very much restricted as to what investments they can talk about due to the necessity of most of those to be first registered for sale within that country before they can talk about or intermediate between the client and the respective investment company.

Here at Meyer International Ltd based in Bangkok Thailand we are the servicing operational arm of Meyer Asset Management Ltd which is a world renowned financial services firm with ties to over 200 major international Investment firms, banks and asset managers and Richard Cayne has helped develop this large network or relationships over the past 15 years. Meyer is now truly able to offer full investment consultations on a global internationally competitive basis. Meyer Asset Management Ltd is truly the company to speak with before taking that leap of faith with your hard earned money.

Richard Cayne based in Bangkok Thailand is Managing Director of the Meyer Group of companies which is part of Asia Wealth Group Holdings ltd a London UK stock market listed financial services holding company.

Meyer International Richard Cayne – Life Insurance Simplified

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Richard Cayne Meyer Asset Management Ltd says; In its simplest form, life insurance is financial leverage. A small pool of money creates a large pool of money, guaranteed and risks free, for the purpose of funding an identified goal or objective. Term life insurance is what most people think of when they think of life insurance. Term life insurance provides a guarantee of a pool of money for a specific number of years, at a guaranteed (never to increase) annual cost, as long as the premiums are paid; usually for 10, 15, 20 or 30 years. The expectation is that at the end of the term, the protection will no longer be necessary, and the policy may be allowed to lapse (you may lapse a term policy at any time by ceasing to pay for it).

Replacement of Income

We use term insurance frequently to provide for replacement of income to a family who is dependent on a “breadwinner’s” income for living expenses, college funding, retirement funding etc. If we plan correctly, we will accumulate assets during the earning years such that at retirement, the client will be able to produce his or her own income from assets when there is no longer income from employment. Term life insurance guarantees that the “gap” between today and retirement will be filled if income ceases due to death of the income earner prior to fulfillment of planning. The downside says Richard Cayne at Meyer International Ltd based in Bangkok Thailand is that Term life insurance is inexpensive, has no internal cash value, and may be exchanged for other types of life insurance which do.

Planning for Certainties in Life

The other most often used type of life insurance is Universal Life. Universal Life is permanent death benefit life insurance. Universal Life has myriad applications in financial planning, as the death benefit cannot be outlived. Using this financial leverage usually makes fiscal sense when there is a need to create permanent liquidity. Many of my clients use Universal Life to create an estate or to protect an estate. In case you don’t think you have an estate; you do. Your estate is all of your “things”, including your financial assets, property, hard assets like art, sculpture and collectibles, your furniture, cars etc… All of it. Death eventually produces financial liability to the beneficiaries, one way or the other. Even small estates have expenses, and providing for the extinguishing of these expenses helps to ensure order and facilitate the completion of your plans and aspirations for your beneficiaries.

Richard Cayne Meyer Asset management Ltd having lived in Tokyo Japan for over 15 years can certainly say that Japanese like other nationalities with larger estates can be devastated by taxes and expenses if advance planning is not good, and I don’t know a single case where the client found it preferable to force the sale of estate assets to pay taxes and expenses rather than have the expenses paid from the proceeds of a life insurance policy which bought those dollars at a deep discount; often a fraction on the dollar. I’m safe in saying that everybody understands that they will have to pay for these inevitable expenses with discounted dollars as opposed to paying for them dollar for dollar. Some clients want to leave a financial legacy to children, grandchildren, or a charity. Universal Life allows them to leave a guaranteed, tax free financial legacy which was secured at a deep discount. Richard Cayne having consulted on many larger Japanese estates says Japanese like other nationalities particularly Asian ones do not like talking about death although inevitable but planning for this earlier rather than later will ensure that your wealth can be passed on in the most cost efficient manner to those you care about.

Richard Cayne is Managing Director of the Meyer Group of companies and based in Bangkok Thailand at Meyer International Ltd. The Meyer Group has ties with over 200 global financial institutions and is part of Asia Wealth Group Holdings a UK Listed company.

Significance of Asset Allocation by Richard Cayne Meyer International Ltd

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In the opinion of Richard Cayne at Meyer International Ltd in Bangkok Thailand, the right asset allocation is the key to a portfolio which outperforms. Asset allocation lets you spread your investment into different asset classes and therefore helps in reducing the risk of the portfolio. Asset allocation is not only about choosing investments in different asset classes but also those that are in different geographical regions.

In fact, the concept of asset allocation emerged with the fact that every investment has a different kind of cycle and associated risks and therefore, investing in different securities will not only reduce the risk but will also increase the opportunities of profit for an investor.

According to Richard Cayne Meyer Asset Management Ltd in Thailand, deciding an asset allocation strategy is a very crucial and important decision for every investor. The right kind of asset allocation strategy will help you balance reduce the risks in your portfolio. During asset allocation, the investor needs to allocate his assets into different asset classes. Some of the most common but important asset classes include stocks, bonds and alternative investments such as hedge funds. Each asset class contains its own advantages. For example, stocks are often considered as the investments that can bring maximum profit to the investors but at the same time has highest volatility and downside risk as well.

An experienced investor knows that information is key to being able to make calculated decisions and financial consultancy firms can be a wealth of information to them. For less experienced investors a financial advisor can help the individual in choosing the right kind of allocation for his assets as well as helping to define the investor’s goals. Contacting a financial consultant is advantageous because he takes complete care of the investor’s portfolio by checking the investor’s risk tolerance level, investment capacity and by choosing the appropriate asset classes for an investor. An experienced and accomplished financial advisor very well understands that every investor expects profit within a certain time frame and so a proper investment strategy should be planned along with an asset allocation strategy. One of the most important tasks for financial advisors is that they help the investors in building a balance between the involved risks and expected profit returns.

Richard Cayne Meyer International in Thailand says that the situation and capacity of every individual investor is different from others and therefore, a different financial investment strategy having its own defined asset allocation strategy may be need.  Markets and asset classes do not move in tandem, what’s hot today may be cold tomorrow. Spreading your investment dollars among different types of asset classes and markets; stocks and bonds, domestic and foreign markets lets you position yourself to seize opportunities as the performance cycle shifts from one market or asset class to another.

Richard Cayne having lived in Tokyo Japan for over 15 years and at Meyer Asset Management Ltd has ties with over 200 global financial services firms. Richard is Managing Director of Meyer International Ltd based in Bangkok Thailand and is the Asian based marketing arm for the Meyer Group which is owned by Asia Wealth Group Holdings Ltd listed in London UK.

Richard Cayne Meyer Asset Management Ltd – Common Investments and Correlation in The Markets

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According to Richard Cayne Meyer Asset Management Ltd, having a well balanced portfolio with investments which compliment each other is quite important. So many investors end up buying assets or investments that are highly correlated and end up performing about the same. Of course this can be good in a rising market but offers no downside protection should the markets experience a severe correction.This article discusses some of the most common types of investments and how they may be correlated with each other.

Stocks

Preferred stockholders have a greater claim to a company’s assets and earnings. This is true during the good times when the company has excess cash and decides to distribute money in the form of dividends to its investors. In these instances when distributions are made, preferred stockholders must be paid before common stockholders. However, this claim is most important during times of insolvency when common stockholders are last in line for the company’s assets. This means that when the company must liquidate and pay all creditors and bondholders, common stockholders will not receive any money until after the preferred shareholders are paid out. That said most people invest in common stock.

Shares & Debentures

Richard Cayne Meyer Asset Management Ltd in Thailand says the differences are that; SHARES- A Share holder is the real owner of the company and does not have not fixed dividend rate and no maturity period, shares are not redeemable but can be sold. Shares are more volatile and imply a higher degree of risk. A share holder can have high return and share holders have rights on residual income. A debenture holder is the creditor of a company, they have fixed rate of interest and they have a maturity period but they don’t have any right to vote. Debentures are redeemed, they are not volatile and they have a lower risk and a lower return. Unfortunately over the past few years we have seen a higher correlation of performance tied to both stocks and bonds.

Mutual funds

Mutual funds are also known as open-end-company. These are one of the most popular kinds of investments and provide the investors the opportunity to invest in securities. Though mutual funds involve risks but they also offer two things, that is, the ready diversification and opportunity for the fund manager to outperform the market.

Real Estate Investment

In the opinion of Richard Cayne, Real Estate Investment Trusts are corporations that sell shares for investments in real estate which can be in either residential, commercial or both. This type of REIT (Real Estate Investments Trust involves the buying, management, ownership, sale or rental of real estate properties and mortgages. Again as we had seen during the financial collapse property having taken a nosedive and the equity and bond market went down along with it.

Commodities

According to Richard Cayne Meyer International in Bangkok Thailand a commodity is a product, which is of uniform quality and traded across various markets. There are generally two types of commodities, “hard commodities” and “soft commodities”. Hard commodities include crude oil, iron ore, gold, and silver and have a long shelf life. Agricultural products such as soybean, rice or wheat, are considered ‘soft commodities’ since they have a limited shelf life. These commodities have to be similar and interchangeable or ‘fungible’. Gold as an example had provided an uncorrelated performance throughout the financial crisis up until 2012 and had been a good compliment to any portfolio as it had outperformed most other investments. Now in 2012 Gold seems to be gaining popularity as a mainstream investment pushing up demand for it and as such we are seeing a higher degree of correlation with the equity markets than we used to.

Richard Cayne having lived in Tokyo Japan for over 15 years and at Meyer Asset Management Ltd has ties with over 200 global financial services firms. Richard is Managing Director of Meyer International Ltd based in Bangkok Thailand and is the Asian based marketing arm for the Meyer Group which is owned by Asia Wealth Group Holdings Ltd listed in London UK

Financial Freedom – A Happier Life Richard Cayne Meyer International Ltd

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It is no secret that saving money is essential for a happy and prosperous life. In such a catastrophic and vulnerable global economy where anything can happen anytime and the prices of basic needs are rocketing high every day, all of us need to save some amount of money as per our ability, suggests Richard Cayne at Meyer International Ltd in Bangkok Thailand. Saving money is a store of value for the times when we need to exchange that value for other goods or services. We must ensure that we are getting the best store of value in our savings or investments by looking at how they will grow our value in line with the global growth and inflation trends and any extra value creation over and above this is the real return.

Reduces Stress and Live a Happier Life

According to Richard Cayne Meyer Asset Management Ltd in Thailand, most of our stress problems arise from financial worries. Therefore, one way if we wish to reduce our stress, is that we ought to save money whenever possible. Knowing that you are financially secure or at least have a plan and a path to take so that you will be one day in a financially secure state can bring great peace of mind and comfort to individuals. According to statistics over 50% of people anxiety and worries derive from financial insecurity in one form or another. Therefore at the very least create a plan to word towards being financially secure.

Richard Cayne Meyer Asset Management Ltd and having lived in Tokyo Japan for over fifteen years can say that Japanese who are thought to be amongst the most conservative and pragmatic people are not that conservative when it comes to their own financial security in the sense that most do not have a proper financial plan nor do they know how they will be financially secure one day. Most Japanese still believe their company or their government pension scheme will be a backstop for them and take care of them. However Richard Cayne at Meyer makes it a point to explain how company lifetime employments has changed and is no longer the case as is the financial stability of the Japanese pension system. Richard advocates that if Japanese want to truly be conservative and plan for their own financial security in a responsible way they would be advised to get planning sooner. Japanese aren’t the only ones who don’t plan as well as they should though and we should all make it our business to be responsible to ourselves and our families to ensure we are on the right path to financial security so we can all rest easy.

According to Richard Cayne Meyer International in Bangkok, we can all lead healthier and happier lives by doing forward planning and putting a plan of action in place of how we intend to be financially secure or to grow and protect our store of value. We should share this plan with our family members so that they too can take comfort in knowing how the family can send little Johnny and siblings through schooling, buy that house they have always wanted or plan for their retirement or any other important life events.

With the price of commodities and good seeming to continually escalate its is ever important to keep pace with this inflation rate which arguably is approximately 3-4% per year. So every year your portfolio earns 1% means that the real earning or store of value in your portfolio had just eroded by 2-3%. This is an unsettling feeling and applies to everyone both to those who are building their financial security and those who are there many times over. Nobody is immune to this and in fact those with vast sums of money gives them even greater stress as they don’t want to see their billions erode to a store of value in the millions.

Wealthy individuals and families do understand the need to plan to protect and preserve their wealth and therefore even if your goals may differ you should be planning too. If you have a plan of action to preserve and grow your wealth you will have one less worry in life. So get planning and sleep well.Richard Cayne is Managing Director of the Meyer Group of companies. He is based in Bangkok Thailand and has been involved in financial services for over 17 years in Asia. The Meyer Group is wholly owned by Asia Wealth Group Holdings Ltd a London, UK listed company.

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