My first gold holdings. My first bank. Simple. Transparent. Individual. Our investment solutions for clients abroad.

Size: px
Start display at page:

Download "My first gold holdings. My first bank. Simple. Transparent. Individual. Our investment solutions for clients abroad."

Transcription

1 My first gold holdigs. My first bak. Simple. Trasparet. Idividual. Our ivestmet solutios for cliets abroad.

2 The perfect basis for workig together successfully The wheel of time is turig faster tha ever i the world of ivestmet. What is today regarded as the orm ad the key to future success may soo be cosiged to the history books. Whether it s global political evets, atural disasters, ecoomic or compay data, experiece has taught us just how quickly the overall ivestmet eviromet ca chage. As a first-class bak for wealth maagemet whose primary focus is o security ad value preservatio, we aim to respod to such chages quickly, carefully, ad with the iterests of our cliets i mid. To this ed, we have created a platform that allows us to stay o top of maa gig your ivestmet portfolio at all times eve i the face of challegig market coditios. This quality is reflected i our two ew service packages, which cover a very wide rage of ivestmet requiremets: COMPACT ad COMFORT. The product ames are self-explaatory. However, a icreasig umber of wealthy idividuals wish to ivest their moey o a sustaiable basis ad achieve a reasoable retur without costatly havig to coted with global fiacial markets ad the time-cosumig maa gemet of their assets. It is with these r equiremets i mid that we developed COMFORT a attractive asset maagemet solutio. Our rage of four differet madates offers you attetive, roud-the-clock asset maagemet from SGKB's professioal, experieced ivestmet specialists. Meaig you do't eed to do worry about a thig. I hope our ew ivestmet solutios meet with your expectatios ad wish to thak you for placig your trust i us. St.Galler Katoalbak at your service Rolad Ledergerber CEO COMPACT covers all basic services relatig to your securities portfolio ad gives you the greatest possible scope i terms of resposibility for your ow ivestmets. Rolad Ledergerber Chief Executive Officer The ew service packages from St. Galler Katoalbak Advice ad support Comprehesive wealth maagemet Basic service Scope of service

3 Our e-bakig service eables you to fid out about curret performace at ay time. Alagepacket Compact With COMPACT your ivestmets are i good hads. Scope of iformatio Portfolio moitorig Depth of cliet support COMPACT ot oly comprises all essetial services related to your securities portfolio but is also sufficietly flexible to accommodate your ivestmet prefereces. Through various bak chaels you have access to all relevat ivestmet iformatio, thus makig it easier for you to evaluate opportuities ad risks. Ad whe the situatio requires, the bak's experts are always o had to provide advice ad support. Advisory services Compact basic services coverig all aspects of your securities portfolio Comprehesive, easy-to-uderstad rage of iformatio Reportig Aual portfolio statemet With COMPACT the deposit/ admiistratio ad trasactio fees you pay are based o a set tariff. Ay additioal service you require will be billed accordigly.

4 Alagepacket Comfort COMFORT guaratees professioal maagemet of your madate. Scope of iformatio Portfolio moitorig Depth of cliet support Optig for COMFORT will eable you to devote more time to your ow projects ad ideas. That's because your assets will be maaged o a roud-the-clock basis by experieced ivestmet specialists from St. Galler Katoalbak. You do't eed to do a thig; istead, you ca safely etrust the research work, costat moitorig of the fiacial markets, evaluatio of attractive ivestmet opportuities ad executio of trasactios ad related admiistratio to our professioal bakig experts. Periodic rebalacig of the portfolio (with your persoal strategy) Portfolio review i light of key crisis scearios Simulatio of impact of risk ad retur o proposed ivestmets Reportig Periodic reportig icludig meaigful graphic illustratios of the performace of your assets ad portfolio Tax statemet Statemet of all trasactios Advisory services Joitly formulate the desired ivestmet strategy Establish the right type of madate o the basis of persoal prefereces Cosistet, systematic ivestmet process withi the defied strategy Costat moitorig of strategy Maagemet of your madate by the bak i With COMFORT you pay 0.6 to 1.9 % per year depedig o type of madate for a comprehesive package of services ad support. accordace with the strategy: Aalysis ad assessmet of idividual securities Rapid respose to market chages Tactical strategy chages Moitorig of risk positios (idividual securities with idicatios of total loss) Moitorig of cluster risks

5 Hot-air balloo pilot Marlies Nägeli thiks about every last detail. Ad whe it comes to fiacial matters, she i tur puts her trust i the experts We offer four differet types of madates Your ivestor profile ad preferred ivestmet strategy are key to makig the right choice. I this process, you will receive persoalized advice ad exemplary service from the experts at St.Galler Katoalbak. COMFORT "Classic": Ivest efficietly ad at low cost COMFORT "Classic" icludes idex-trackig ad passive fuds. Thaks to the simple, straightforward portfolio structure, your chose ivestmet strategy is implemeted efficietly ad at low cost. COMFORT "Active": Active maagemet for superior performace COMFORT "Active" focuses maily o direct ivestmets i bods (supplemeted by fuds) ad equity fuds. Two key features make this a persuasive solutio. Firstly, our portfolio maagers oly select fuds that are amog the best i their category ("best-i-class approach"). Secodly, direct ivestmets i bods allow active maagemet of maturities ad credit ratigs. COMFORT "Premium": Targeted ivestmet i first-class vehicles COMFORT "Premium" focuses o direct ivestmets (equities ad bods), supplemeted by selected fuds. The portfolio is characterized by global diversificatio, while takig accout of up-to-date market assessmets ad aalyses produced by our ivestmet specialists. COMFORT "Private": Tailor-made for the idividual portfolio COMFORT "Private" offers you the opportuity to prepare a ivestmet solutio tailored to your exact requiremets i cosultatio with our specialists. With this solutio, we defie with you the breakdow of ivestmet categories, the types of istrumets ad the mai themes, regios ad sectors. For this exclusive service (from CHF 1 millio), we charge a additioal 0.20 % over the Premium price.

6 Persoal advice for private ad busiess cliets 9450 Altstätte Au Azmoos Bad Ragaz Bazeheid Buchs Degersheim Diepoldsau-Schmitter Ebat-Kappel Eschebach Flawil Flums Goldach Gossau Heerbrugg Herisau Mels Nesslau Oberriet Rapperswil-Joa Rheieck Rorschach Sargas Schäis St.Galle St.Galle-Brugge St.Galle-Neudorf St.Margrethe Teufe Uzach Uzwil Walestadt Wattwil Wil Wittebach You will fid oe or more cash machies at every brach. Cash ca also be withdraw at the followig locatios: Abtwil Bad Ragaz: Casio Buchs-Räfis: Churerstrasse 63 Joschwil Niederuzwil Rapperswil-Joa: Molkereistrasse; Fischmarktplatz 1 St.Galle: AVIA Shop (Oberstrasse) Casio (Hotel Radisso) Katosspital Multergasse OLMA: Cashbox Trübbach Vales: Kliik Widau: Cashbox Wil: Railceter Iteret: Advisory Cetre: Advice o products ad services as well as iformatio about accout maagemet ad paymet trasactios 9473 Gams Sevele Persoal advice for private bakig cliets 7310 Bad Ragaz Rapperswil-Joa St.Galle St.Margrethe Wil Zürich Publisher: St.Galler Katoalbak AG St.Leohardstrasse St.Galle /1

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated.

Introducing Your New Wells Fargo Trust and Investment Statement. Your Account Information Simply Stated. Itroducig Your New Wells Fargo Trust ad Ivestmet Statemet. Your Accout Iformatio Simply Stated. We are pleased to itroduce your ew easy-to-read statemet. It provides a overview of your accout ad a complete

More information

How to read A Mutual Fund shareholder report

How to read A Mutual Fund shareholder report Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.

More information

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life

TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects

More information

Bond Valuation I. What is a bond? Cash Flows of A Typical Bond. Bond Valuation. Coupon Rate and Current Yield. Cash Flows of A Typical Bond

Bond Valuation I. What is a bond? Cash Flows of A Typical Bond. Bond Valuation. Coupon Rate and Current Yield. Cash Flows of A Typical Bond What is a bod? Bod Valuatio I Bod is a I.O.U. Bod is a borrowig agreemet Bod issuers borrow moey from bod holders Bod is a fixed-icome security that typically pays periodic coupo paymets, ad a pricipal

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

Preserving Your Financial Legacy with Life Insurance Premium Financing.

Preserving Your Financial Legacy with Life Insurance Premium Financing. Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

CCH Accounts Production

CCH Accounts Production CCH Accouts Productio accouts productio facig today s challeges Preparig statutory ad fiacial accouts is a core activity for our practice, as it is for may professioal firms. Although legislatio ad accoutig

More information

FM4 CREDIT AND BORROWING

FM4 CREDIT AND BORROWING FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer

More information

Introducing International Investment Advisory Services. Your global needs, our international expertise

Introducing International Investment Advisory Services. Your global needs, our international expertise Itroducig Iteratioal Ivestmet Advisory Services Your global eeds, our iteratioal expertise Stregth ad Stability from RBC For over 140 years, ivestors have tured to Royal Bak of Caada (which operates globally

More information

INVESTMENT PERFORMANCE COUNCIL (IPC)

INVESTMENT PERFORMANCE COUNCIL (IPC) INVESTMENT PEFOMANCE COUNCIL (IPC) INVITATION TO COMMENT: Global Ivestmet Performace Stadards (GIPS ) Guidace Statemet o Calculatio Methodology The Associatio for Ivestmet Maagemet ad esearch (AIM) seeks

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

WE KEEP GOOD COMPANY REVITALIZING STORES FOR BIG BRAND FRANCHISES CFG. Recapitalization. Growth Capital CAROLINA FINANCIAL GROUP

WE KEEP GOOD COMPANY REVITALIZING STORES FOR BIG BRAND FRANCHISES CFG. Recapitalization. Growth Capital CAROLINA FINANCIAL GROUP REVITALIZING STORES FOR BIG BRAND FRANCHISES Recapitalizatio Frachise ad Restaurats Growth Capital I ve spet my career buildig valuable restaurat frachises for some of the top QSR brads i America. We eeded

More information

WHAT IS YOUR PRIORITY?

WHAT IS YOUR PRIORITY? MOVE AHEAD The uderlyig priciples of soud ivestmet should ot alter from decade to decade, but the applicatio of these priciples must be adapted to sigificat chages i the fiacial mechaisms ad climate. BENJAMIN

More information

rs e n i n Discuss various financial products for savers and nvestors Understand various types of personalities and their financial needs

rs e n i n Discuss various financial products for savers and nvestors Understand various types of personalities and their financial needs e-learig ad referece solutios for the global fiace professioal Fiacial Plaig A comprehesive e-learig co u rs e o Fi acial P la i g The themes of this product are: Kow basic cocepts i fiacial plaig Discuss

More information

INVESTMENT PERFORMANCE COUNCIL (IPC) Guidance Statement on Calculation Methodology

INVESTMENT PERFORMANCE COUNCIL (IPC) Guidance Statement on Calculation Methodology Adoptio Date: 4 March 2004 Effective Date: 1 Jue 2004 Retroactive Applicatio: No Public Commet Period: Aug Nov 2002 INVESTMENT PERFORMANCE COUNCIL (IPC) Preface Guidace Statemet o Calculatio Methodology

More information

Agency Relationship Optimizer

Agency Relationship Optimizer Decideware Developmet Agecy Relatioship Optimizer The Leadig Software Solutio for Cliet-Agecy Relatioship Maagemet supplier performace experts scorecards.deploymet.service decide ware Sa Fracisco Sydey

More information

Grow your business with savings and debt management solutions

Grow your business with savings and debt management solutions Grow your busiess with savigs ad debt maagemet solutios A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive

More information

Smart Connected Products & The Internet of Things

Smart Connected Products & The Internet of Things Smart Coected Products & The Iteret of Thigs Who we are Taget delivers Talet Globally. Established for 40 years we specialise i delivery of iovative & tailored talet solutios to customers aroud the world.

More information

France caters to innovative companies and offers the best research tax credit in Europe

France caters to innovative companies and offers the best research tax credit in Europe 1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public

More information

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

More information

DC College Savings Plan Helping Children Reach a Higher Potential

DC College Savings Plan Helping Children Reach a Higher Potential 529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury

More information

To c o m p e t e in t o d a y s r e t a i l e n v i r o n m e n t, y o u n e e d a s i n g l e,

To c o m p e t e in t o d a y s r e t a i l e n v i r o n m e n t, y o u n e e d a s i n g l e, Busiess Itelligece Software for Retail To c o m p e t e i t o d a y s r e t a i l e v i r o m e t, y o u e e d a s i g l e, comprehesive view of your busiess. You have to tur the decisio-makig of your

More information

FI A CIAL MATHEMATICS

FI A CIAL MATHEMATICS CHAPTER 7 FI A CIAL MATHEMATICS Page Cotets 7.1 Compoud Value 117 7.2 Compoud Value of a Auity 118 7.3 Sikig Fuds 119 7.4 Preset Value 122 7.5 Preset Value of a Auity 122 7.6 Term Loas ad Amortizatio 123

More information

International Delegation A summary for financial advisers

International Delegation A summary for financial advisers Iteratioal Delegatio A summary for fiacial advisers Cotets Please ote For fiacial adviser use oly. It should ot be distributed to, or relied upo by, retail cliets. AXA Wealth Iteratioal is the brad used

More information

CCH Accountants Starter Pack

CCH Accountants Starter Pack CCH Accoutats Starter Pack We may be a bit smaller, but fudametally we re o differet to ay other accoutig practice. Util ow, smaller firms have faced a stark choice: Buy cheaply, kowig that the practice

More information

TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS

TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS TIAA-CREF WEALTH MANAGEMENT A HIGHLY PERSONALIZED, SOPHISTICATED SERVICE DESIGNED TO MATCH ONE OBJECTIVE: YOURS TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. OUR HISTORY We are TIAA-CREF. A full-service

More information

CHAPTER 3 THE TIME VALUE OF MONEY

CHAPTER 3 THE TIME VALUE OF MONEY CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all

More information

BLUE SKY SRA ALLIANCE FUND

BLUE SKY SRA ALLIANCE FUND BLUE SKY SRA ALLIANCE FUND ARSN 140 253 685 PRODUCT DISCLOSURE STATEMENT Ivestmet Sciece 4 Uits (APIR Code COL0018AU) Ivestmet Sciece 9 Uits (APIR Code COL0019AU) 3 JUNE 2014 Ivestmet Sciece 16E Uits (APIR

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

BCP EQUITY INDEX BONDS

BCP EQUITY INDEX BONDS AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP EQUITY INDEX BONDS TWO CAPITAL SECURE BONDS THAT PROVIDE ACCESS TO LEADING EUROPEAN AND WORLD EQUITY INDICES Track the performace of the Fivex S&E

More information

Corporate and Institutional Services. Tailored solutions. Global reach. Expert delivery.

Corporate and Institutional Services. Tailored solutions. Global reach. Expert delivery. Corporate ad Istitutioal Services Tailored solutios. Global reach. Expert delivery. STRENGTH AND STABILITY WITH RBC RBC is oe of Caada s largest baks ad amog the largest baks i the world based o market

More information

CCH Practice Management

CCH Practice Management 1 CCH Practice Maagemet practice maagemet facig today s challeges Every year it seems we face more regulatios, growig cliet expectatios ad lower margis o our compliace work. It s a tough time for a accoutig

More information

Trusteed IRAs. Integrate and simplify your retirement and estate plans

Trusteed IRAs. Integrate and simplify your retirement and estate plans Trusteed IRAs Itegrate ad simplify your retiremet ad estate plas Trusteed IRAs from Merrill Lych Trust Compay To create the legacy of your dreams, you may eed more tha a Idividual Retiremet Accout ad a

More information

PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE

PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE PRICE BAILEY CHARITIES & NOT FOR PROFIT THE RIGHT ADVICE FOR LIFE OUR EXPERTISE To arrage a meetig with a member of for more iformatio about Price Bailey, At Price Bailey, we recogise that charity ad ot-for-profit

More information

BCP ABSOLUTE RETURN BOND 16

BCP ABSOLUTE RETURN BOND 16 AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP ABSOLUTE A CAPITAL SECURE, ACTIVELY MANAGED, ABSOLUTE RETURN BOND THAT AIMS TO ACHIEVE CONSISTENT, POSITIVE RETURNS Uderlyig Fud has a exceptioal

More information

Making training work for your business

Making training work for your business Makig traiig work for your busiess Itegratig core skills of laguage, literacy ad umeracy ito geeral workplace traiig makes sese. The iformatio i this pamphlet will help you pla for ad build a successful

More information

leasing Solutions We make your Business our Business

leasing Solutions We make your Business our Business if you d like to discover how Bp paribas leasig Solutios Ca help you to achieve your goals please get i touch leasig Solutios We make your Busiess our Busiess We look forward to hearig from you you ca

More information

How To Find FINANCING For Your Business

How To Find FINANCING For Your Business How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.

More information

Shareholder Information Brochure

Shareholder Information Brochure The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,

More information

A GUIDE TO BUILDING SMART BUSINESS CREDIT

A GUIDE TO BUILDING SMART BUSINESS CREDIT A GUIDE TO BUILDING SMART BUSINESS CREDIT Establishig busiess credit ca be the key to growig your compay DID YOU KNOW? Busiess Credit ca help grow your busiess Soud paymet practices are key to a solid

More information

client communication

client communication CCH Portal cliet commuicatio facig today s challeges Like most accoutacy practices, we ow use email for most cliet commuicatio. It s quick ad easy, but we do worry about the security of sesitive data.

More information

CREATIVE MARKETING PROJECT 2016

CREATIVE MARKETING PROJECT 2016 CREATIVE MARKETING PROJECT 2016 The Creative Marketig Project is a chapter project that develops i chapter members a aalytical ad creative approach to the marketig process, actively egages chapter members

More information

Assessment of the Board

Assessment of the Board Audit Committee Istitute Sposored by KPMG Assessmet of the Board Whe usig a facilitator, care eeds to be take if the idividual is i some way coflicted due to the closeess of their relatioship with the

More information

Withdrawals with SunAmerica Income Plus 6% SM

Withdrawals with SunAmerica Income Plus 6% SM Guaratee cliets Withdrawals with SuAmerica Icome Plus 6% SM More Now More Later More Flexibility Growth with SuAmerica Icome Builder 8% SM For fiacial professioal use oly. Not for distributio to the public.

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

IntelliSOURCE Comverge s enterprise software platform provides the foundation for deploying integrated demand management programs.

IntelliSOURCE Comverge s enterprise software platform provides the foundation for deploying integrated demand management programs. ItelliSOURCE Comverge s eterprise software platform provides the foudatio for deployig itegrated demad maagemet programs. ItelliSOURCE Demad maagemet programs such as demad respose, eergy efficiecy, ad

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

MainStay Funds IRA/SEP/Roth IRA Distribution Form

MainStay Funds IRA/SEP/Roth IRA Distribution Form MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

insight reporting solutions

insight reporting solutions reportig solutios Create ad cotrol olie customized score reports to measure studet progress ad to determie ways to improve istructio. isight Customized Reportig empowers you to make data-drive decisios.

More information

Eckart Wealth Management Group

Eckart Wealth Management Group Eckart Wealth Maagemet Group A broad rage of capabilities desiged to build ad erich your fiacial life. ADVICE AND GUIDANCE RETIREMENT BANKING SOLUTIONS FOR BUSINESS TRACKING PROGRESS CREDIT AND LENDING

More information

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized?

5.4 Amortization. Question 1: How do you find the present value of an annuity? Question 2: How is a loan amortized? 5.4 Amortizatio Questio 1: How do you fid the preset value of a auity? Questio 2: How is a loa amortized? Questio 3: How do you make a amortizatio table? Oe of the most commo fiacial istrumets a perso

More information

Online Banking. Internet of Things

Online Banking. Internet of Things Olie Bakig & The Iteret of Thigs Our icreasigly iteretcoected future will mea better bakig ad added security resposibilities for all of us. FROM DESKTOPS TO SMARTWATCHS Just a few years ago, Americas coducted

More information

CDs Bought at a Bank verses CD s Bought from a Brokerage. Floyd Vest

CDs Bought at a Bank verses CD s Bought from a Brokerage. Floyd Vest CDs Bought at a Bak verses CD s Bought from a Brokerage Floyd Vest CDs bought at a bak. CD stads for Certificate of Deposit with the CD origiatig i a FDIC isured bak so that the CD is isured by the Uited

More information

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user

IT Support. 020 8269 6878 n www.premierchoiceinternet.com n support@premierchoiceinternet.com. 30 Day FREE Trial. IT Support from 8p/user IT Support IT Support Premier Choice Iteret has bee providig reliable, proactive & affordable IT Support solutios to compaies based i Lodo ad the South East of Eglad sice 2002. Our goal is to provide our

More information

ContactPro Desktop for Multi-Media Contact Center

ContactPro Desktop for Multi-Media Contact Center CotactPro Desktop for Multi-Media Cotact Ceter CCT CotactPro (CP) is the perfect solutio for the aget desktop i a Avaya multimedia call ceter eviromet. CotactPro empowers agets to efficietly serve customers

More information

WHERE CHANGE IS POSSIBLE

WHERE CHANGE IS POSSIBLE WHERE CHANGE IS POSSIBLE gree workspaces AT TIDES, WE HAVE BEEN WORKING WITH PEOPLE LIKE YOU FOR MORE THAN 30 YEARS TO MAKE THE WORLD A BETTER PLACE. Our missio is to parter with philathropists, foudatios,

More information

Strength You Can Trust. There s Wealth in Our Approach.

Strength You Can Trust. There s Wealth in Our Approach. Stregth You Ca Trust There s Wealth i Our Approach. About RBC Royal Bak of Caada (RBC) is oe of the world s leadig diversified fiacial services compaies. Oe that is distiguished by a log heritage of fiacial

More information

Cartrefi Hafod Lettings Agency

Cartrefi Hafod Lettings Agency Cartrefi Hafod Lettigs Agecy The ame you ca trust LANDLORD BOOKLET Cartrefi Hafod Lettigs Agecy Cartrefi Hafod Lettigs Agecy offer help to iexperieced ladlords to maage their homes. Hafod Housig Associatio

More information

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

More information

DWS Investment GmbH. DWS Aktien Strategie Deutschland Sales Prospectus including Terms of Contract

DWS Investment GmbH. DWS Aktien Strategie Deutschland Sales Prospectus including Terms of Contract DWS Ivestmet GmbH DWS Aktie Strategie Deutschlad Sales Prospectus icludig Terms of Cotract Jauary 1, 2012 Sales Prospectus ad Terms of Cotract Sales Prospectus Geeral sectio Geeral priciples 1 Maagemet

More information

TruStore: The storage. system that grows with you. Machine Tools / Power Tools Laser Technology / Electronics Medical Technology

TruStore: The storage. system that grows with you. Machine Tools / Power Tools Laser Technology / Electronics Medical Technology TruStore: The storage system that grows with you Machie Tools / Power Tools Laser Techology / Electroics Medical Techology Everythig from a sigle source. Cotets Everythig from a sigle source. 2 TruStore

More information

INDEPENDENT BUSINESS PLAN EVENT 2016

INDEPENDENT BUSINESS PLAN EVENT 2016 INDEPENDENT BUSINESS PLAN EVENT 2016 The Idepedet Busiess Pla Evet ivolves the developmet of a comprehesive proposal to start a ew busiess. Ay type of busiess may be used. The Idepedet Busiess Pla Evet

More information

FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT

FOCUS 2015 PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE STRATEGIC PLAN. INSPIRE n TRANSFORM n CONNECT INSPIRE TRANSFORM CONNECT FOCUS 2015 STRATEGIC PLAN PATHWAYS EXTRAORDINARY EXPERIENCES COMMUNITY CONNECTIONS OPERATIONAL EXCELLENCE FOCUS 2015 is our refreshed strategic pla that builds o ad stregthes

More information

(VCP-310) 1-800-418-6789

(VCP-310) 1-800-418-6789 Maual VMware Lesso 1: Uderstadig the VMware Product Lie I this lesso, you will first lear what virtualizatio is. Next, you ll explore the products offered by VMware that provide virtualizatio services.

More information

LEASE-PURCHASE DECISION

LEASE-PURCHASE DECISION Public Procuremet Practice STANDARD The decisio to lease or purchase should be cosidered o a case-by case evaluatio of comparative costs ad other factors. 1 Procuremet should coduct a cost/ beefit aalysis

More information

Chapter 5 Unit 1. IET 350 Engineering Economics. Learning Objectives Chapter 5. Learning Objectives Unit 1. Annual Amount and Gradient Functions

Chapter 5 Unit 1. IET 350 Engineering Economics. Learning Objectives Chapter 5. Learning Objectives Unit 1. Annual Amount and Gradient Functions Chapter 5 Uit Aual Amout ad Gradiet Fuctios IET 350 Egieerig Ecoomics Learig Objectives Chapter 5 Upo completio of this chapter you should uderstad: Calculatig future values from aual amouts. Calculatig

More information

2 Time Value of Money

2 Time Value of Money 2 Time Value of Moey BASIC CONCEPTS AND FORMULAE 1. Time Value of Moey It meas moey has time value. A rupee today is more valuable tha a rupee a year hece. We use rate of iterest to express the time value

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

optimise your investment in Microsoft technology. Microsoft Consulting Services from CIBER

optimise your investment in Microsoft technology. Microsoft Consulting Services from CIBER optimise your ivestmet i Microsoft techology. Microsoft Cosultig Services from Microsoft Cosultig Services from MICROSOFT CONSULTING SERVICES ca help with ay stage i the lifecycle of adoptig Microsoft

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

Commercial Real Estate Women Network

Commercial Real Estate Women Network Commercial Real Estate Wome Network About CREW Network Fouded i 1989, CREW Network is the idustry s premier busiess etworkig orgaizatio dedicated to ifluecig the success of the commercial real estate idustry

More information

INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION

INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION INVESTING IN SOCIAL CHANGE TOOLS FOR SOCIAL INNOVATION At Tides, we have bee workig for more tha 30 years with people like you to make the world a better place. Our missio is to parter with activists,

More information

CCH CRM Books Online Software Fee Protection Consultancy Advice Lines CPD Books Online Software Fee Protection Consultancy Advice Lines CPD

CCH CRM Books Online Software Fee Protection Consultancy Advice Lines CPD Books Online Software Fee Protection Consultancy Advice Lines CPD Books Olie Software Fee Fee Protectio Cosultacy Advice Advice Lies Lies CPD CPD facig today s challeges As a accoutacy practice, maagig relatioships with our cliets has to be at the heart of everythig

More information

Rainbow options. A rainbow is an option on a basket that pays in its most common form, a nonequally

Rainbow options. A rainbow is an option on a basket that pays in its most common form, a nonequally Raibow optios INRODUCION A raibow is a optio o a basket that pays i its most commo form, a oequally weighted average of the assets of the basket accordig to their performace. he umber of assets is called

More information

Evidence requirements guide June 2016

Evidence requirements guide June 2016 INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Page1of6 Evidece requiremets guide Jue 2016 The followig tables show our stadard documetatio requiremets for evidece. Sectio

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

PUBLIC RELATIONS PROJECT 2016

PUBLIC RELATIONS PROJECT 2016 PUBLIC RELATIONS PROJECT 2016 The purpose of the Public Relatios Project is to provide a opportuity for the chapter members to demostrate the kowledge ad skills eeded i plaig, orgaizig, implemetig ad evaluatig

More information

.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth

.04. This means $1000 is multiplied by 1.02 five times, once for each of the remaining sixmonth Questio 1: What is a ordiary auity? Let s look at a ordiary auity that is certai ad simple. By this, we mea a auity over a fixed term whose paymet period matches the iterest coversio period. Additioally,

More information

Simple Annuities Present Value.

Simple Annuities Present Value. Simple Auities Preset Value. OBJECTIVES (i) To uderstad the uderlyig priciple of a preset value auity. (ii) To use a CASIO CFX-9850GB PLUS to efficietly compute values associated with preset value auities.

More information

Create Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7

Create Income for Your Retirement. What You Can Expect. What to Consider. Page 1 of 7 Page 1 of 7 RBC Retiremet Icome Plaig Process Create Icome for Your Retiremet At RBC Wealth Maagemet, we believe maagig your wealth to produce a icome durig retiremet is fudametally differet from maagig

More information

A Balanced Scorecard

A Balanced Scorecard A Balaced Scorecard with VISION A Visio Iteratioal White Paper Visio Iteratioal A/S Aarhusgade 88, DK-2100 Copehage, Demark Phoe +45 35430086 Fax +45 35434646 www.balaced-scorecard.com 1 1. Itroductio

More information

Comfort for Life CAPT CAPF CHPF CAUF CSCF

Comfort for Life CAPT CAPF CHPF CAUF CSCF Comfort for Life CAPT CAPF CHPF CAUF CSCF Evaporator Coils www.daikicomfort.com "I'm a Daiki Comfort Pro" Those five simple words ca offer you comfort like you ve ever experieced. The words mea that the

More information

GoVal Group Government Consulting and Valuation Advisory Group. real. Real expertise. Real choices. Real value.

GoVal Group Government Consulting and Valuation Advisory Group. real. Real expertise. Real choices. Real value. GoVal Group Govermet Cosultig ad Valuatio Advisory Group real. Real expertise. Real choices. Real value. Novogradac s GoVal Group Specialized cosultig services from a idustry leader. real choices. A uique

More information

Stamford Associates and Xafinity introduce the XS Total Returns Alliance

Stamford Associates and Xafinity introduce the XS Total Returns Alliance Stamford Associates ad Xafiity itroduce the XS Total Returs Alliace A uique partership providig holistic ad idepedet ivestmet cosultig services I clarity quality I itegrity Stamford Associates is a leadig

More information

Investment & Portfolio Strategy

Investment & Portfolio Strategy Ivestmet & Portfolio Strategy Jauary 2014 Five Keys to a Successful Retiremet Thikig about retiremet is o loger a future evet or viewed as optioal for may Americas. Most recogize the eed for careful plaig

More information

I. Why is there a time value to money (TVM)?

I. Why is there a time value to money (TVM)? Itroductio to the Time Value of Moey Lecture Outlie I. Why is there the cocept of time value? II. Sigle cash flows over multiple periods III. Groups of cash flows IV. Warigs o doig time value calculatios

More information

facing today s challenges As an accountancy practice, managing relationships with our clients has to be at the heart of everything we do.

facing today s challenges As an accountancy practice, managing relationships with our clients has to be at the heart of everything we do. CCH CRM cliet relatios facig today s challeges As a accoutacy practice, maagig relatioships with our cliets has to be at the heart of everythig we do. That s why our CRM system ca t be a bolt-o extra it

More information

Time Value of Money. First some technical stuff. HP10B II users

Time Value of Money. First some technical stuff. HP10B II users Time Value of Moey Basis for the course Power of compoud iterest $3,600 each year ito a 401(k) pla yields $2,390,000 i 40 years First some techical stuff You will use your fiacial calculator i every sigle

More information

TO: Users of the ACTEX Review Seminar on DVD for SOA Exam FM/CAS Exam 2

TO: Users of the ACTEX Review Seminar on DVD for SOA Exam FM/CAS Exam 2 TO: Users of the ACTEX Review Semiar o DVD for SOA Exam FM/CAS Exam FROM: Richard L. (Dick) Lodo, FSA Dear Studets, Thak you for purchasig the DVD recordig of the ACTEX Review Semiar for SOA Exam FM (CAS

More information

Optimize your Network. In the Courier, Express and Parcel market ADDING CREDIBILITY

Optimize your Network. In the Courier, Express and Parcel market ADDING CREDIBILITY Optimize your Network I the Courier, Express ad Parcel market ADDING CREDIBILITY Meetig today s challeges ad tomorrow s demads Aswers to your key etwork challeges ORTEC kows the highly competitive Courier,

More information

Managed Oracle Database Service

Managed Oracle Database Service Maaged Oracle Database Service maaged oracle database service As a orgaisatio you eed to esure the highest levels of iformatio availability ad data protectio to support your applicatios. Dimesio Data ca

More information

AGC s SUPERVISORY TRAINING PROGRAM

AGC s SUPERVISORY TRAINING PROGRAM AGC s SUPERVISORY TRAINING PROGRAM Learig Today...Leadig Tomorrow The Kowledge ad Skills Every Costructio Supervisor Must Have to be Effective The Associated Geeral Cotractors of America s Supervisory

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

Solving Logarithms and Exponential Equations

Solving Logarithms and Exponential Equations Solvig Logarithms ad Epoetial Equatios Logarithmic Equatios There are two major ideas required whe solvig Logarithmic Equatios. The first is the Defiitio of a Logarithm. You may recall from a earlier topic:

More information

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then

5/gallon. Earn. Then save. Cash Management. Control. Must Apply by 6/30/16. Save 25 /gallon on fuel purchases for the first 2 billing periods * ; then Ear The save 25/gallo for the first 2 billig periods o fuel purchases with the ExxoMobil Busiess Card. * No miimum purchase requiremets ad o maximum savigs cap. Limited-time offer. Must apply by 6/30/16.

More information