Services
Services
Financial Planning
Wealth and investment management is not purely investment administration alone. Every element of your wealth impacts a minimum of one and in most cases a number of other characteristics of your all-round financial situation. In order to effectively understand the big picture, your team assesses all aspects of your wealth. While the intricacy beneath the surface stays, we establish and explain all these interrelationships so that you can simplify your decisions and your therefore your life.
Cash Flow and Preparation Forecasts
Retirement Planning
Are you considering switching your primary residence, investing in more property or buying/selling a business? Significant tax, estate and insurance implications are bought about with changes to retirement plans. We assist you in making the financial decisions that best aid your objectives.
Philanthropic Preparation
Decisions that affect your personal financial situation need to be transferred to your philanthropy; tax and investment choices possess significant implications. We ensure it’s all handled so your wish to make an ongoing contribution to the things you care sincerely about in this world may be applied successfully.
Education Planning
For your family there is a plethora of strategies to structure resources, especially for their education, from picking out a fund to creating family trusts.
Real Estate Solutions
The timing of large-scale acquisitions, sales, leasebacks together with other financial dealings, need to be taken into consideration within the framework of your earnings and tax forecasts. We don’t merely guide you, but also help facilitate the transactions and manage outside specialists as and when required.
Executive Compensation Assessment
We’ll evaluate your compensation and benefits package, generating advice determined by your overall earnings flow so tax liabilities are lessened.
Investment Management
While we emphasize elements of wealth and investment management which some other firms have a tendency to neglect, our investment experience has long been a crucial element of our advice. Therefore, we run an institutional-grade investment administration strategy that we personalise exactly to your circumstances. The outcome is portfolio recommendations determined by strategic and focused asset allocation and sensible diversification. And since we are independent, it is guidance that is constantly devoid of conflicts of interest.
Asset Allocation
When analysing current and proposed holdings-stocks, bonds, cash, property, options and various investment vehicles, asset allocation could prove to be the most crucial element of investment choices. We recommend investment opportunities to give a significant degree of diversification, however everything we take into consideration, we are always led by this maxim – “Know precisely what you’re investing in; under no circumstances invest in something you don’t fully grasp or is hard to value.” Once investments are made, we frequently review and report on your assets by company, by classification, and by manager.
Manager Selection and Monitoring
Beginning with managers that have established a track record of reliable performance, we drill down much deeper, employing in-depth interviews to comprehend the reasoning behind a manager’s ability. They are evaluated through the lens of both equally – rate of return and risk applied to accomplish that return. Then we meticulously keep track of the selected managers, exchanging them with more effective individuals as and when appropriate.
Performance Reporting
Reporting can be accomplished according to your personal requirements and within the framework of your objectives and goals. It can be organized for you personally or alternatively if you have a family office, reports can be directed there.
Focused Stock Position Administration
Perhaps you acquired a sizable block of stock as an element of executive compensation, or possibly an earlier purchase in one stock in the past that delivered above-average returns, or perhaps it’s a family heritage handed down to you, it remains advisable to diversify.
Reporting and reviewing of Non-managed Accounts
In order for you to comprehend the full picture, our reporting strategy is designed around pulling together the precise dealings and valuations for all your investment accounts. We then execute the gathering of information necessary to clearly assess non-managed accounts and put them inside the appropriate context of your stock portfolio.
Private Equity Monitoring
Regardless of the character associated with private equity investments, large and illiquid, for lengthy periods-they should be tracked continuously as part of your monitoring strategy.
After Tax Return Evaluation
A performance total for any financial investment doesn’t tell the whole story. What was the actual return after tax? By looking at your investing through your unique tax circumstances, we ensure the advice stays true to the entire strategy.
Initial Public Offerings
Can you invest in Pre-IPO Shares?
Investing in pre-IPO shares isn’t as easy as buying a listed stock. Generally, the ability to purchase them will largely depend on whom you know. However, it’s not impossible. There are several ways and methods one can invest in pre-IPO shares with a company that intends to go public.
Fortunately, ZEL Trading specialised in pre-IPO shares and capital raisings. Our specialists are generally involved in several IPO’s at any given time and regularly offer our clients the opportunity to invest in these often very lucrative shares.
While there are several risks attached to pre-IPO shares because of too many factors that can possibly prevent a company from going IPO, there are also numerous benefits that make them valuable.
Institutional Investing
ZEL Trading pursues a finite variety of unique investment opportunities with an outstanding degree of resources and practical knowledge. Since our initial inception, delivering research and evaluation of revenue generating investments to savvy investors, our focus continues to be fixed on discovering desirable opportunities, whilst managing the accompanying risks. ZEL Trading has earned a reputation as a leader in investing institutional investing.
Family Wealth and Next Generation Wealth Planning
Whilst there have always been recognised routes to becoming an Executive or a Doctor, extensive lessons on the way to handle great wealth are simply non-existent. That’s the reason we implemented a structured program that prepares you and the next generation of your family for all the paths you are likely to cross.
- Beneficiaries Education – From fundamental tenets of monetary literacy to establishing a comprehensive knowledge of the way a family office operates, ZEL Trading provides a structured set of instruction for anyone who’s going to inherit substantial wealth or getting ready to take over a trust.
- Succession Planning – Roles and responsibilities inside a family have proven to be crucial and should be acknowledged well before they come into effect.
- Family Meetings – We have substantial practical experience in assisting family meetings in a manner that enables each person to be heard, all within the framework of recognised family values. These kinds of frequent, continuous discussions can prevent significant interferences in wealth management, particularly during periods of transition.
- Philanthropic Planning – To guarantee that your desires to support causes important to you are introduced rather than just expressed, suitable parameters will need to be in position.
Investment Funds
Your Buying Power ... Multiplied
Regardless of whether you are a completely new investor or a seasoned one, investing in mutual funds might well be a simple way to diversify your assets. An expanding section of the investment marketplace, mutual funds are expertly run investment portfolios whose shares are sold to the public in exactly the same way stocks are.
Types of Mutual Funds
A huge number of funds are offered to investors nowadays, each having its own qualities. To discover one that’s best for you, you’ll need to understand the examples below:
- Open-end funds – Unlimited shares can be bought by investors. They are traded directly through the fund, never the marketplace.
- Closed-end funds – A finite quantity of shares can be obtained by the general public. As soon as these shares are sold, the fund is listed on an exchange and any new investors have to buy them on the open market.
- Load funds – Sales charges and commission fees are typically charged.
- No-load funds – Sales charges and commission fees will not be charged, but administration charges generally apply.
Fund Categories
Funds are arranged together according to various elements including risk tolerance and strategic planning. After reviewing your individual circumstances, our assessors will help you choose a fund with a target that aligns with your risk tolerance, time-frame and objectives.
Popular Types of Funds
- Growth – Created to generate the highest long-term results, these types of funds generally optimise capital appreciation with minimal to no income for the investor. Regarded as being a riskier fund group, they largely invest in businesses that possess potential for above-average stock appreciation.
- Growth and Income – Similar to growth funds, these are typically intended to deliver long-term results. However, these types of funds additionally generate revenue for the investor. Typically, investments are split between larger, well-seasoned businesses and bonds.
- Income – Most suitable for investors in search of increased levels of revenue, these funds typically invest in well-known stocks, in addition to government and corporate bonds. Generally, much less unpredictable when compared with the stock market, they are susceptible to interest rate changes. There is an inverse connection involving interest rate activity and bond prices. Typically, whenever interest rates go up, bond prices go down and when interest rates go down, bond prices typically go up.
- Capital protection – Usually providing stability and more protection than other types of funds, these endeavour to produce a modest amount of income to investors. The majority make investments in short-term, fixed-income stocks.
Business Owner Advisory Services
From the creation of a business through to its sale and beyond, ZEL Trading can work with you to provide a detailed plan and assistance centred around what you most desire to achieve from life.
- Valuation Coordination – We’ll assist you in making an evaluation of a company’s true worth, whether in planning for a sale or as part of your entire financial structural management.
Business Development Advisory – Making an acquisition, growing, issuing debt? Straightforward expansion is not necessarily the conclusion. We can assist you to recognise the effects of your business decisions and in what way they will impact your complete financial picture.
Business Succession Preparation – Will the business pass to your beneficiaries, be put up for sale or donated to a charitable organisation? Establishing plans for succession early and returning to it regularly is crucial.
Pre-Sales Planning Businesses – We work in unison with the business owner’s legal team and accountant making sure that estate planning instruments align with identified lifestyle and legacy objectives.
Post-Sales Planning Businesses – We will assist you to prepare for the effect the sale of your business is going to have on the financing of your chosen lifestyle, the administration of your personal affairs, as well as administration of the account balance.
Buy/Sell Agreement Advisory and Financing – The whole picture of your assets must be taken into account when deciding on the type of agreement that fits in with the sale of a business. The use of escrow and the timing of payments could very well have a significant impact on your exposure to government taxes.