Every individual has different needs especially when it comes to investment planning. You may want to use your investment to buy a house, or may want the returns to help you put your children through college or provide you with income after retirement. Perhaps you may want to ‘save for the future’. Whatever the reason may be, we can provide a personalized portfolio to suit your needs. 
We at IN2 Consulting will provide you with the right combination – long-term capital growth, short-term cash returns or achieve capital growth as well as income through the most tax efficient method. 

Whatever investment goal you may have, IN2 Consulting will ensure that your investment portfolio is formulated accordingly. We will help to build your portfolio so that it matches your risk profile. We will design an investment plan that suits you best.

A tailor-made investment plan.

IN2 Consulting’s investment advice is tailor-made. In formulating your investment plan, our first step is to understand your investment objectives. We understand your objectives by speaking to you in person. We also gauge your appropriate risk level(s). Drawing from our experience and using a risk scale, we are able to quantify eight different risk levels. For each risk level, we can choose a suitable investment portfolio. This is done by carefully choosing different investments that bear a low, medium or high risk. 

Examples of the different types of investments in the low, medium and high-risk groups are:

a) Low-risk investments, such as gilts, bonds, cash funds, zero-dividend preference shares, with-profit bonds, traded endowment policies, property funds, income funds, etc. These investments have a relatively low risk and corresponding return. These will form the main part of the investment portfolio of a risk-conscious investor who mainly focuses on an almost guaranteed income from the invested capital. 

b) Medium-risk investments, such as equity funds, collective investment trusts and unit trusts. These investments yield a medium risk and have higher returns. These are ideal for the portfolio of an investor who wishes capital appreciation in the long term.

c) High-risk investments, such as shares of a single company or equity security in an emerging market. These investments are very volatile. Returns can be high but so is the risk. In general, we do not recommend these investments to make up more than 20% of your investment portfolio (depending on your risk profile). 

In composing your investment portfolio, we also take into account your current tax position and the possibilities for future tax planning.