Mutual Funds

The word mutual funds is the strategy of pooling money from people and potential investors and investing in multiple assets classes and among many securities in an attempt to lower overall investment risk. These investment products hold hundreds to thousands of shares in stocks, bonds, real estates,Gold, silver Etheruim, forex, cryptocurrency,short terms and many more.
* Benefits of Mutual Funds; DIVERSIFICATION
* Mutual funds holds and create a more diverse portfolio and income ratio for investors in the future.
* Mutual funds has a better exposure and high returns on investments (ROI)
* The cliche don’t put all eggs in one basket really applies to the concept of intelligent investing.
* Assets of a mutual fund are spread across a range of companies and industries which minimizes the risk of loss due to poor performance of a particular company or industry.
AFFORDABILITY
* Most of the funds as an investment vehicle is also available for small investors who do not have significant amounts of money to invest.
LIQUIDITY
* Most of the funds at present are formed under an open-end structure which offers funds investors to timely redeem their investments.
TRANSPARENCY
* The performance of a mutual fund is carefully reviewed by various publications and rating agencies, making it easy for investors to compare fund to another.
* As a unit holder you are provided with regular updates, for example daily NAVs, as well as information on funds holdings and the fund manager’s strategy.
Risk of mutual funds.
CREDIT RISK
* The risk that a security’s issuer or the counter party is unable to meet its obligation in full or on time such payments of interest or repayment of capital or any other financial or legal obligations.
MARKET RISK
* The prices of and the income generated by the securities held by mutual funds may decline in response to certain events, including those directly involving the companies whose securities are owned by the funds, general economic and market conditions, regional or global economic instability or currency and interest rate fluctuations.
INTEREST RATE RISK
* The risk that an investment’s value will change due to a change in the absolute level of interest rates.
* Normally, rise in interest rates during the investment period may result in reduced prices of the held securities.
This are all technically manageable and this is where the team of wave financial advisors and group of companies comes into to existence this simply means you can trust that your investment is secured and been dealt with professionally and legally and with this you can make the right choice of investing with wave financial group of companies.

Forex Trading

It’s Easy to Start
It is super easy to start your journey with investing. Much like with stocks, investment accounts, or savings accounts, you can sign up online and create your own investment portfolio quickly. You may need to provide some proof of identification to get started, but aside from that, there’s not much to it. Choose a broker and get started.
High Market Liquidity
The forex market is the largest and most liquid market in the world. What does this mean? Well, high liquidity means that it’s relatively easy to buy and sell, usually for a very low cost or fee. This means that you can put your money in and get it out again just as easily.
You Can Make Good Money
Now, there’s always a risk with trading. While you can lose money-making trades, the opportunities are there to make a great profit. If you study well and pay close attention to markets, there is a good chance of making profits on each trade. Lots of forex investors start as hobbyists and end up making such good profits that they turn forex trading into a full-time income stream.
It’s Almost Always Available
One of the great things about the forex market is the availability of the market. It trades 24/7 for almost six days a week. This is due to all the time zones sharing one market. So, as the market opens on Monday morning in the east, trading begins. It doesn’t close until Friday night in the western hemisphere, meaning it is a very flexible marketplace to get involved in. If you want to trade in your evenings or at night, you can do so. This is not possible with the stock market which operates Monday through Friday during office hours only.
Trustworthy Brokers are Easy to Find
When trading forex, you need to use a broker. This is the platform, app, or company you decide to invest through. These brokers hold your money and execute your trades on your behalf when instructed to do so. The great thing is, all these brokers are financially regulated. This means you can trust that your money is being dealt with safely, professionally and legally. There are great opportunities for education, profit, and long-term investment potential. It is for these reasons that starting your investment journey with forex is a great idea.

Crypto-Currency

High Liquidity:
If you are planning to enter the crypto market, you would have looked at the current market stats. Aren't they promising? The rate of cryptocurrencies has been growing steadily over the past few years. The leading cryptocurrencies like bitcoin and Ethereum have shown their importance by consistently delivering good results. The profits generated by bitcoin have been astonishing.
Independence and Flexibility:
The cryptocurrency market is independent and decentralized to a large extent. People are working on DeFi these days to ensure more decentralized and peer-to-peer connections in the traders. By investing in cryptocurrencies, you can buy, sell, or exchange your fiat currency for digital currency and vice versa. Additionally, you don't have to ponder over the bank charges.
At present, there is no such country in the world that can control the transactions of cryptocurrencies. It is an independent tool for investments and gives the user complete control over their transactions. There are no external factors that influence your investments or trading.
Unlimited Choices:
When one is investing in any field, the diversity of choices plays an important role. The more choices you have, the better the investment options. At present, there are more than 2000 cryptocurrencies in the world. You can choose to invest in any of these. The cryptocurrency market is expanding every day, and if someone creates a new coin, it is added to the market.
Now you don't have to boggle your mind by looking at all the 2000 cryptocurrencies. You can narrow down your list to the top 50-100 cryptocurrencies. Most investors prefer to choose from the top 10 cryptocurrencies, but you can always look at more. Once you review all the required cryptocurrencies, make a list of the top 5, and don't just limit yourself to buying one Cryptocurrency. Diversification is an essential aspect of investing in cryptocurrencies.
Future of Crypto:
The primary reason for investing in cryptocurrencies is that their future is bright. The advancements in the field of crypto are taking new leaps every day. It is a beauty of technology that it is never out of date and is continuously being updated. The mining of new cryptocurrencies is also in progress, and the building of new decentralized platforms is also in work.

Stocks Trading

The stock market has created an enormous amount of wealth over the years. Investing in stocks On average, the S&P 500, which includes 500 of the largest U.S. publicly traded companies, has returned 8% to 12% annually. Only $10,000 invested in the stock market 50 years ago would have grown to more than $380,000 today.
Benefits of investing in stocks;
There are many benefits to investing in stocks. Seven big ones are:
The potential to earn higher returns:
The primary reason most people invest in stocks is the potential return compared to alternatives such as bank certificates of
deposit, gold, and treasury bonds. For example, the average stock market return has been about 10% annually since 1926; long-term government bonds have returned 5% to 6% annually during the same period.
The ability to protect your wealth from inflation:
Stock market's returns often significantly outpace the rate of inflation. For example, the long-term inflation rate has run about 3.1% annually since 1913.

Assets Management

WHAT IS ASSET MANAGEMENT?
Asset management can be described as managing clients’ money with two goals: growing that money and, at the same time, mitigating risk.
Money is typically grown through funds invested in a diverse range of assets, with stocks, bonds, commodities, and alternative investments being the most common types.
In this industry, it’s typical for an asset manager to be compensated with a fixed fee based on a percentage of the assets under management. The standard fee for asset managers is 1% of whatever is being invested. Some asset management funds also make money through a performance fee, similar to a bonus. Performance fees are setup so asset managers are rewarded with a bonus payout when growing the fund to a certain target threshold.
CLIENTS OF ASSETS MANAGER
Asset management funds generally cater to a client base composed of large institutional investors and high-net-worth individuals. This client base includes entities such as pension funds, insurance funds, insurance companies, educational institutions, nonprofit organizations, and sovereign wealth funds, to name a few.
Here's an example of why a company would want to collaborate with an asset manager:
Insurance companies typically collect quite a lot of cash from their customers who pay the company a premium to insure their car, home, or other assets. Now instead of simply collecting this cash and letting it sit in a bank account to grow at a 1% interest rate, the insurance company would rather give that money to an asset manager who will likely grow that cash balance at a much higher rate of return.
With this in mind, you can imagine how any individual or company with a high cash balance would be interested in having an asset manager grow their sitting money with strong investments.
Asset managers typically allocate funds across one or more of the four asset classes, which are:
Equities (Stocks)
Fixed-income securities (Bonds)
Commodities
Alternative investments
Stocks: Blue chip companies, small chip companies, and growth stocks. Some examples of blue-chip companies include Apple, Google, Facebook, Microsoft, and Amazon.
Bonds: Corporate bonds and government bonds. Public corporations like Apple will sometimes sell bonds to raise money in the form of a loan.
Commodities: Popular raw materials. Some examples of commodities include gold, silver, oil, and coffee.
Alternative Investments: Real estate, hedge funds, venture capital, and private equity are examples of alternative investments.
Key Asset Management Teams
Asset management firms are typically composed of several key components, namely the investment team, the client-oriented team, and the support team.
Investment Team:This team is responsible for researching and selecting investments, devising and implementing investment strategies, and managing the portfolio.
Client Team: Client teams focus on building and maintaining client relationships, managing client accounts, and providing investment advice. Support Team: Support teams provide administrative and operational support, such as compliance, legal, IT, and marketing. Careers in asset management can be found within each of these three parts of the firm.
Asset Management Careers
Investment Team Careers
The Investment Team is the driving force behind managing the fund or firm's assets. This team comprises several key roles broken down below. Portfolio Manager: The Portfolio Manager is the key decision maker and is responsible for making strategic investment decisions such as buying and selling securities to achieve the fund or firm-specific investment objectives.
Research Analyst: Research Analysts are responsible for monitoring industry trends, analyzing financial data, and conducting in-depth research to identify potential investment opportunities. They formulate recommendations and present them to the Portfolio Manager for final approval.
Trader: The Trader executes trades on behalf of the Portfolio Manager's instructions, buying and selling securities in the market to implement the investment strategy.
Since asset management companies typically operate on a global scale, individual investment teams usually specialize in a particular region (North America, Europe, Asia, etc.) and asset class (stocks, bonds, real estate, etc.).
Client Team Careers
Client teams focus on customer service and maintaining relationships with clients. They handle client inquiries, provide investment guidance, manage client accounts and build trust with clients.
Sample Roles:
Client Service Representatives
Relationship Managers
Account Managers
The primary goal of this team is to attract new investors and keep current clients. By bringing in new investors who can add more money to the fund, the firm as a whole will be able to generate more revenues from fees and performance bonuses.
Support Team Skills
There are quite a variety of supporting roles that require different specialized skill sets that can help contribute to keeping the flow of operations running smoothly and this is where the wave financial group comes into existence
Required Skills:
Communication skills
Legal and compliance knowledge
Basic financial knowledge
With all this we believe you will have a better knowledge and understanding as to why you should start your investment with Wave financial Group.

Portfolio Management

WHAT IS PORTFOLIO MANAGEMENT ?
Portfolio management involves overseeing a set of investments, including securities, bonds, exchange-traded funds, mutual funds, cryptocurrencies, etc., on a personal or professional level. Its purpose is to help investors achieve their long-term financial goals and manage their liquidity needs and risk tolerance.
The approach intends to maximize investors’ earnings based on their income, savings, budget, and timeline while minimizing the market risk. This strategy emphasizes choosing the optimum investment policy or a collection of investments called a portfolio. It comprises various processes, including asset allocation, rebalancing, diversification, and tax reduction. Portfolio managers are those who monitor and manage investments on behalf of their clients.
KEY TAKEAWAYS
* Portfolio management refers to building and supervising a group of investments, such as securities, bonds, exchange-traded funds, mutual funds, cryptocurrencies, etc., either personally or professionally.
* It is a three-step process that includes planning, implementation, and feedback, with asset allocation, diversification, rebalancing, and tax reduction being the four most common tactics.
* The four different styles of investment portfolio management include active, passive, discretionary, and non-discretionary.
* Portfolio managers help investors accomplish their long-term financial goals, maximize returns based on their income, budget, and timeline, and minimize risk tolerance by monitoring and managing investments on their behalf.
UNDERSTANDING PORTFOLIO MANAGEMENT
Portfolio management protects the assets of investors against market risks while also allowing them to profit handsomely. It usually entails setting financial goals, picking the correct investments, allocating assets, assessing risks, and diversifying resources to avoid losses. Investors can make significant profits by aligning their income and financial objectives with their risk tolerance. They can develop a strategy to invest in assets, such as stocks, bonds, ETFs, mutual funds, private equity, digital currencies, real estate, and precious metals.
Individuals and businesses build and manage their income and assets through the portfolio management process, which involves considering various short- and long-term financial plans. They can do so by themselves or by contacting a portfolio manager for better understanding and outlook. The latter recommends the best and most tailored investment policies. Portfolio management services also guide investors about unforeseen risks, market stability, opportunity, and the right time to invest. In both circumstances, the method could lead to higher profits and lower risks in a set period.
OBJECTIVES OF PORTFOLIO MANAGEMENT
The strategy focuses on picking the optimal pool of investments based on the investor’s income, aim, time horizon, and risk tolerance. Let us look at some of the portfolio management objectives:
Capital appreciation
Improving portfolio flexibility and proficiency
Maximizing return on investment
Optimal resource allocation
Protecting earnings from market hazards
Risk management
Securing future
Long-term financial planning
TYPES OF PORTFOLIO MANAGEMENT
The portfolio management process comes in various forms, each with its own set of characteristics:
PORTFOLIO MANAGEMENT TYPE
1 – Active
Here, portfolio managers actively sell and purchase stocks, bonds, and other assets using quantitative or qualitative methods to maximize profits for their clients. They strategize to outperform the stock market index
by buying undervalued securities and selling them at higher prices.
#2 – Passive
In this type, portfolio management services build and manage a fixed portfolio of index funds, such as ETFs corresponding to current market conditions. Even though these funds offer lower returns, they are more consistent and profitable over time.
#3 – Discretionary
Investors appoint portfolio managers to make financial decisions on their behalf based on their goals and risk appetite to maximize earnings. It may also include paperwork and filing in addition to investment management.
4 – Non-Discretionary
In this case, portfolio managers can only advise on the best investment plans, while the decision-making authority rests solely with investors.
PROCESSES OF PORTFOLIO MANAGEMENT
The following are some of the steps involved in managing an investment portfolio:
#1 – Planning
Understanding the investor’s needs is the initial step in the process, which entails several stages, such as:
Identifying portfolio management objectives and limitations. The goals may include capital appreciation, consistent returns, and risks, whereas restrictions are liquidity, timeframe, and tax
Calculating the prospective risks, and profits of different asset classes in the capital market
Strategizing asset allocation based on proceeds with the following steps:
Identifying, analyzing, and selecting assets depending on their popularity, liquidity, profitability, etc.
Investing in the chosen portfolio of securities or other alternative investments to generate returns.
Mixing up the portfolio based on investment limits and risk tolerance to minimize risks and losses.
#3 – Feedback
Once investments have been made in a group of assets, it is crucial to keep track of their performances at regular intervals:
Monitoring and evaluating the portfolio performance (risk and return) over a period to improve efficiency
Revising and rebalancing the portfolio as per market conditions to maximize returns
PORTFOLIO MANAGEMENT STRATEGIES
Various strategies can be employed to accomplish the goal of investment portfolio management, i.e., to outperform the market, generate returns, and lower risks. Although predicting the future of financial markets is almost impossible, there are a few proven ways to improve profitability:
1 – Asset Allocation
This strategy involves investing in different types of assets (volatile and non-volatile) based on the investor’s investment goals and risk tolerance. Eventually, it can result in significant returns with little risk.
#2 – Diversification
Investors or portfolio managers must diversify the investment portfolio to spread the risk and generate profits. Financial markets are volatile and subject to risks. Hence, having a diverse portfolio of assets with little or no correlation means profit made by one can easily offset the loss incurred by another.
#3 – Rebalancing
Market volatility may cause an investment plan to diverge from its target allocation. Therefore, rebalancing the portfolio based on market conditions might result in higher returns with little risk. The common ways to do this include buying and selling assets as required or increasing portfolio investment.
4 – Tax Reduction
It is nothing more than figuring out a strategy to avoid paying excessive taxes on investment returns.
WHAT ARE PORTFOLIO MANAGEMENT SERVICES ?
Portfolio managers or portfolio management services monitor and manage investments on behalf of investors. They, thus, assist their clients in achieving their long-term financial goals, maximizing returns depending on their income, budget, and time horizon, and reducing risk tolerance. Besides, they offer advice on unforeseen risks, market stability, opportunities, and the optimum time for investment.
WHY IS PORTFOLIO MANAGEMENT IMPORTANT ?
Portfolio management could result in higher returns on investment with fewer risks by considering multiple short- and long-term financing options over a set period. Investing in a variety of assets ensures the growth and stability of managed investments. Other benefits include capital appreciation, effective resource allocation, and a financially secure future.