Bellmore Group Management Services, Tokyo Japan

What does 'financial institution' exactly refer to? There is no cut-and-dry answer. For many years, banks have been absorbed by others or merged with other banks, making the definition hard to delineate. It all depends on the technical nature of the company's personality as it is registered at the FCA. Some difficulties, therefore, arise – for instance: If you save money in the Bank of Scotland, Halifax and BM Savings, which belong to one group, the covered amount is also considered as one. Hence, you get only £85,000. If you save money in the Royal Bank of Scotland, Ulster and NatWest, which all belong to the giant RBS conglomerate; you get £85,000 protection for every one of three banks where you have put money. Which banks are linked? You may visit websites to help you find out if your bank shares its savings protection. Or you may check the FCA registration number on your bank's website. If the institution is not among those listed, it d...

The collapse of Northern Rock, Bradford & Bingley, and Icelandic banks caused a lot of panic several years back, leading people to wonder whether their savings are safe at all. What steps can we take to secure our savings from such a terrifying and real threat? We will provide a detailed safety checklist as well as what safeguards you can apply in case of averse economic scenarios. The essential facts you need to know At least 6 facts will let you prepare for worst-case scenarios, namely: · Increased protection limit. At present, your savings now gets £85,000 protection based on UK-regulated financial institution instead of the former £75,000 only Every UK-regulated savings and current account as well as cash ISAs in banks, credit unions and building societies are protected by the Financial Services Compensation Scheme (FSCS). From £75,000, the cover was raised to £85,000 on 30 January 2017 after the pound's post-Brexit fall led to a review by...

According to David Fabian, “A vital part of Investment success depends upon one’s ability to compare historical returns with an index or benchmark. Doing so will let you measure if your approach meets the performance expectations or evaluate the efficiency of somebody else’s recommendation prior to hiring them. Although is may be very common in the entire industry, many investors still make knee-jerk conclusions based on unreliable or biased information. Two primary conditions that must be satisfied when determining the viability of any investment approach are discussed below: A proper standard of evaluation We now lay down the reasons why these concepts are essential to your decision process. Let us talk about time. In reality, time is a commodity that has lost its overarching value in the fast-evolving dynamics of our daily existence. People so often fall prey to the temptation of immediate gratification provided by modern technology that they totally ove...

For many years, value investing has grown to become a very popular and profitable investment strategy. Among those who consider value investing as a viable choice are Benjamin Graham and Warren Buffett – two of the most successful value investors with spectacular gains over a long period of time. The expected returns from value investing are comparatively high, although the risks are oftentimes much higher than most investors can handle. This is because value investing can result in an investor being subject to value traps, which occurs when a stock’s price is low for a very valid reason. What are value traps? Value traps Surprisingly, value traps are more common than most investors realize. In spite of global share prices having increased from the beginning of the year, many other shares will still actively trade at significantly low prices in comparison to the broader index. Although some might catch up and recover, others will not. Nevertheless, low-priced share...

If you are in your early and feel you should prepare yourself for financial success while avoiding serious mistakes, what do you need to do? Here are some valuable tips. Firstly, relax! You are in the best time to be enjoying life; and getting started on the road to a secure financial future is one of the wisest moves you can do. Go ahead and have some fun, discover exciting avenues and be open to potential ventures and adventures you can pursue for a lifetime. Do not become paralyzed with the fear of making mistakes or you will miss out on fruitful and gratifying opportunities. That would be counterproductive – learn to embrace mistakes as they can be stepping stones to learning and growing. Nevertheless, some mistakes can cause disastrous and long-term financial effects compared to others, although they may seem harmless on the surface. Go over these five financial missteps that can adversely undermine your financial life. Knowing how not to commit the same mistakes w...

Most people fall in the so-called “average” or “median” range. After all things are counted and considered, the statistical middle-ground is where all things tend to gravitate – the world of the, sorry for the term: mediocre. To be honest, no one wants to be mediocre, run-of-the-mill or commonplace. People in the city park may take selfies that are quite ordinary compared to people who challenge the heights of the Nepalese mountains or the Alaskan wilderness. People do not just want a few likes but viral likes, so it seems. We want to be among those who make an impression for being extraordinary. And that takes a lot of effort to achieve and sustain. But as investors, the average can provide a lot of benefits. The idea of being average is the very foundation of the biggest changes to investing in recent years – the surge of the passive index fund. In the past, you (or a broker) selected a portfolio of stocks that has the potential to bring you wealth. The more adv...

How do you  achieve sustainable growth in investing ? One needs to choose those leading companies that are prepared to provide strong, consistent and long-term increases in profits and revenue. These are the firms that reward their shareholders with above-average market returns. Apply these tips coming from some of the most experienced investing leaders. See how you, too, can discover the latest winning growth stocks and, thereby, make a fortune for yourself. 1. Go for Quality The best investment choices are often the best businesses you can find. David Gardner, popular investor and co-founder of Motley Fool says, "I look for the excellent, buy the excellent and add to the excellent in time. However, what I sell is the mediocre. That is my investment style."  Quality companies possess the most powerful competitive edge, the widest market potentials and a top-of-the-line management. They know how to be creative, trend-setting and pioneering. Most of all, they...