Investments
Growing your wealth = building your future
To maximize your opportunities and distribute your money wisely, it is always best to invest. At its essence, investing involves allocating your money to assets with the potential to generate returns over time, whether through dividends (income payments) or capital gains.
Unlike traditional savings accounts, investments often provide flexibility, meaning that you can access your funds at any time. However, investing is best approached as a long-term strategy. Historically, industry experts recommend holding investments for at least five years to maximize growth potential.
Understanding various asset classes
Globally there are a wide variety of assets, but our four primary asset classes include:
- Stocks: Direct ownership in a company. Their value fluctuates based on company performance and market conditions.
- Bonds or Loan Notes: Fixed-income investments based on debt. Where you lend money to an entity in exchange for interest.
- Commodities: Tangible assets like gold, oil or other valuables such as art.
- Real Estate: Properties or land investments, offering income or appreciation over time.
Different investment strategies
Your investment choices really depend on your financial goals, risk tolerance, and preferences. But conversely, most people tend to invest either in direct equity or through a fund.
Direct equity refers to shares in individual companies, giving you with partial ownership. If the company performs well, your investment increases in value. However, if the company underperforms, your returns may decline.
Funds, on the other hand, are pre-packaged investments that combine various assets, offering diversification and simplicity. They are ideal for investors seeking a more straightforward and less time-intensive approach to investing.
In the world of fund investments, we differentiate between two key strategies:
- Active Funds: These are funds managed by professionals aiming to outperform the market. If you want to follow a more tailored approach, discretionary fund management (DFM) allows wealth managers to make strategic decisions on your behalf. At Wealthique Global, we work primarily with leading private banks and global institutions to provide access to the best-performing fund managers around the world, ensuring your portfolio aligns with your goals and risk tolerance.
- Passive Funds: Passive funds track market indices (eg. the S&P500). They are often available with lower fees and offer steady, long-term growth potential.
Both options allow you to diversify and can be tailored to suit your risk profile, whether you prefer high-growth opportunities or a more conservative approach.
How to profit from investing
Investments will earn you money either one of two ways:
- Dividend Payments: Regular profit distributions from the shares in your companies, or rental income from properties.
- Capital Appreciation: Growth in the value of your assets over time.
While some investors actively trade shares for short-term gains, most prioritize long-term investments, where overall market performance leads to consistent growth.
Warren Buffett once said: “Time in the market beats market timing every time.” Meaning, the short-term direction of the market is close to random. It all comes down to human psychology and the relationship between markets and volatility. The longer you stay in the market, the higher your chances of achieving consistent growth.
Is investing right for you?
Investing is an excellent choice for professionals looking to grow their net-worth, particularly for expats living in low tax countries, where reduced living costs and taxes can result in a higher income surplus.
However, investing isn’t suitable for everyone… It is essential to consider your goals, whether you are seeking short-term liquidity or long-term growth. Besides that, you should calculate your risk tolerance to ensure that your investment choices align with your comfort level and financial objectives.
Before making any investment, always speak with a qualified financial advisor.
How to get started
Navigating the world of financial instruments can feel overwhelming, but a trusted financial advisor can help you. With decades of expertise, Wealthique provides personalized investment strategies tailored to your needs. Our wealth managers help you build robust portfolios that perform well across the international market.
If you’re ready to start your investment journey, reach out to our team. Fill out our form, and we’ll connect you with an expert to help you achieve your financial goals.
Get in touch
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About Wealthique
At Wealthique, we understand like no other that the cornerstone of generational wealth is effective tax planning. Without a solid foundation in managing taxes, building wealth becomes an uphill battle. Because if you are losing a large percentage of your income to taxes, it is impossible to grow or compound your wealth effectively.
Our wealth management approach follows the PEPSI-model: Protection, Emergency, Pension, Saving and Investing. Experience has thaught us that this significantly increases the chances of achieving long-term financial security.
Peace of mind is the number one priority for our clients and their families; peace of mind that you comply with international regulations, your savings keep up with inflation, your retirement is financially secure and that your loved ones are cared for when the time comes.
Wealthique provides you with the neccessary guidance to build and preserve generational wealth, so can you to focus on what matters most: living your best life
Our people
Michael Borm
Senior Wealth Manager, Founder
From pro-athlete to finance professional, Michael has competed in both fields. As the founder of this boutique, Michael is here to oversee the full holistic financial planning for our high net-worth clients in the Middle-East.
Dirk-Jan Willems
International Tax Lawyer, Partner
With over 20 years of experience at multiple Big Four firms, including Deloitte and KPMG, Dirk-Jan now brings his expertise in tax planning to the Wealthique. Dirk-Jan is here to help our clients minimize their tax-burden and secure a legacy.
Jerry A. Thomas
Mergers & Acquisitions, Associate
Jerry specializes in Corporate and Commercial law, with a particular focus on national and cross-border Mergers & Acquisitions, joint ventures, corporate restructurings, and commercial agreements.
Jessica Coldera
Admin
Jessica oversees our administrative operations and support across all facets of our wealth management and advisory offering.
Our solutions
Protection
Secure your wealth for generations to come. Many affluent families overlook insurance, thinking they are too young, healthy, or bad things just never happen to them. In reality, professionally structured insurance is a vital safety net, particularly for expat families. Let us help you safeguard your financial legacy
Pension
Are you ready for retirement? Pensions are the cornerstone of any retirement plan, offering a tax-efficient way to save for your future. Regular pension reviews with one of our experts, ensures your strategy stays on track, giving you confidence as you approach retirement age.
Saving
Plan your future, start today. People who recognize their financial needs early, have more chances to manage their finances the right way and reach their goals at a lower cost. By saving and investing now, you will be able to get what you want later on. Without compromising your financial future.
Investments
Tailored investment strategies designed just for you. We invest on a discretionary or advisory basis, in partnership with leading private banks and global institutions, to deliver a personalized approach across all asset classes. Your investments, aligned with your unique goals and circumstances.
Private Equity
The success of your ventures can be highly dependent on your compliance with ever-evolving legal and tax regulations. Our expert teams in the Netherlands, UK, and UAE specialize in structuring ventures and advise on the most complex and challenging equity structures.