Do you still remember your last New Year’s resolutions? Probably not. With a couple of months or so left, you can still redeem yourself by making a new set and attaining it eventually.

With a realistic financial plan, you have no excuse for failing to achieve your goals. The advantage of making resolutions at the beginning of every year is the renewed motivation and positivity we all feel. Renewing your goals can be the impetus we need to ultimately reach our aspirations. Here are five tips to follow:

Five Financial Goals most often listed

1. Be Debt-Free

We all want to live debt-free, if we only could. Who would want to feel bad each time we let go of our precious earned-money to pay off housing or car loans? This goal is at the top of the list for majority of people. However, without a plan, many fail to achieve freedom from debt.

How to attain debt freedom:

List down every debt you wish to remove from your life. For instance, if you want to tackle only loans and credit cards in the meantime and leave off car and housing mortgages, specify it in your plan. In case you do not know how to make a plan, refer to DebtGoal, an online tool to help you compute the exact interest you need to pay.

In order to enhance your level of success, target a specific time to pay off a debt and lay aside a regular amount you are willing to pay within the set period to reduce or eliminate the debt.

2. Set up and apply a Budget

Like many people, I resolved to improve my budget a few years back. For a while, everything went well until I got sideswiped literally and figuratively in a car accident which set me back financially. It took me some time to regain balance in my life in balance. With a new and improved budget in hand, things have been brighter.

A budget, always remember, should be kept in good working condition, just like a car. Financial needs are dynamic variables and not static ones; hence, a budget must adapt according to the actual changes along the way if you hope to succeed at it.

How to set up an effective budget:

You can make use of various simple budgeting strategies and applications. Take for instance the envelope-budgeting tool called Mvelopes, or you can budget automatically through such online methods available at Mint.com or You Need a Budget to help you succeed.

If these tools do not fit your particular situation, experiment with various apps until you find the most suited program to satisfy your needs. The important thing is to have a budget to which you can feel comfortable with and which can provide you the needed discipline to make it happen for you. Taking a detour -- such as buying a widescreen TV because you saw one at a friend’s home and not because it is in your budget -- is the path to financial disaster.

3. Save a certain amount of cash

Having some cash money kept safely in a bank, say $15,000, $50,000, or even $100,000, would put anyone in an enviable position of not having to worry about suddenly being out of a job for months or even years. That money can be a great stress-reliever during these uncertain times.

How to save money:

You can do some computation and self-evaluation as to how much you can seriously afford to give up in terms of saving some cash every month. Is it $20 weekly or $100 or even $300? However, if you cannot let go of even $5 in your tight budget, take stock of your expenses and see what you can do. Is it the regular weekly movie trip you need to give up? Well, if you have cable TV, stay at home instead to watch a movie. Or instead of the regular resto dinners with the family or spouse, cook at home and save $20 or more weekly for your nest egg. Compute how much you can save monthly toward a yearend (or a two-year-period) purchase you want to aim for – perhaps, a brand-new PC or a family vacation abroad.

4. Throw away that credit card

Perhaps, you are just thinned out completely to repay debts this year and you simply wish to free yourself of the torturous credit card. That is a commendable goal although hard to do.

How to wean yourself away from the card:

First: Shred them -- period! Do not believe they will matter when some emergency comes. The card can become a cruel master you do not need. To protect yourself against any contingency, set up an emergency fund before throwing away your card. Just get rid of it.

Second: Stop using your credit line. Having access to a credit line will easily pull you into making use of it when you feel the need and you are at your weakest, putting yourself deeper in debt. In majority of cases, credit cards are vanity magnets, leading people to make unnecessary purchases, such as jewelry, expensive shoes or bags and the latest gadgets, things that will not help you when you are starving or caught in a catastrophe. Thinking this way will help many consider seriously the true value of money.

5. Purchase a high-priced item

If you have always wanted to buy a new car, a dream house or invest in a business, do whatever you can to make it happen as a reward for your living a frugal life all these years. Having the motivation and the discipline to achieve such a goal will teach you to aim for essential things and to control your expenses at the same time. The important thing to remember is to keep your finances and your life intact.

How to achieve your prized dreams:

Assess how much you can spare every month as amortization. During the sales negotiation, stick to your figure, no matter how much you like the item you dream for. Likewise, bring someone who is an expert in the item you are buying, a realtor or a mechanic to advise you on the nuances of the item. A trusted friend or professional will go a long way toward preventing a bad deal and achieving a satisfying negotiation that results in a lifetime of enjoyment.

Final Word

No matter how small or big your financial objectives are, the primary strategy for success requires having a solid plan and making it work. Like thousands before you, you can also do it!

Everyone has a unique story to tell in their pursuit of financial security or success? Write to us and let us know you own wonderful story.

A Science Magazine revealed that people tend to lose 13% of their IQ points during moments of financial stress, which causes them to make poor decisions. This could explain why many investors buy popular stocks at high prices during times of growth and sell low during times when the market falls, as opposed to waiting for conditions to shift. What if these investors could learn to control their tendency to panic? Perhaps, they would become better and well-balanced investors who are able to check their emotions and make more prudent decisions. How do we that? Here are some suggestions:

• Avoid micro-monitoring returns. While the market can potentially bring enormous wealth to investors, going to the minutest level can trip a person’s nerves, according to Daniel Crosby, a behavioral finance expert and director at The Center for Outcomes of Brinker’s Capital. Looking at daily portfolio values can show a 42.5% loss within the day while an annual check may show only 23.8% within the period. Crosby claims that the latter practice will tend to provide greater confidence and enhanced decision-making.
• Learn from history. The mean intra-year drawdown for the past 35 years, which is the price difference between highs and lows, has been 14%. Historical records show that in 27 out of 35 of those years, the year ended higher.
• Remember how the market works. Stocks offer better results compared to other assets by 5%, based on a volatility-adjusted evaluation, according to Crosby. Investors who buy and hold their assets in the long-term have gained substantially from equity markets but those gains are accompanied by great risks during short periods of volatility.
• Do not get attached with your stocks. John Foard III, president of Foard Wealth Management in Charlotte, North Carolina, warns investors from getting emotionally attached with their securities, since assets cannot reciprocate such affection, although they can prevent investors from selling them. He has seen so many individuals refusing to sell their stocks even if those stocks have ceased to be fundamentally sound, because they cannot accept the fact that they made a poor investment. There are some who say the stocks were passed on to them by their parents and do not wish to dishonor their parents’ legacy by selling. Foard points to such cases as clear proof of emotions taking over logic and sound fundamentals as bases for financial decisions.
• For the venture capitalist, stay away from the herd mentality. The use of pattern recognition (herd mentality) often plagues decisions made by investors in venture capital, according to Minal Hasan, founder and senior partner of K2 Global, a venture capital company in California engaged in investing in fast-growing technology firms. Pattern recognition is another form of emotional attachment based on people’s fear of the new and the strange. This can lead investors from potential investments in novel and revolutionary technologies which do not fit the common pattern.
• Apply a bit of intuition in investing. A healthy amount of intuition or gut feel can help an investor decide if a company does have mass appeal. According to Hasan, this helps determine whether a product will have a consumer base to help it soar in the market. Like in the case of Apple, elegance of design and convenience can carry a brand high above others. And that emotional connection can translate into huge sales for that particular brand.
• Estimate how much you can afford to lose. During the planning stage prior to investing, compute how much loss you can handle in order to minimize your risks, according to Miguel Gomez, a registered financial planner of Lauterbach Financial Advisors in El Paso, Texas. When the market falls, many investors tend to feel down as well. Gomez says that admitting the possibility of losing on an investment will help in developing an individual to grow to become a prudent and successful investor in the future.
• Ask questions. Before making an investment, ask yourself a battery of questions, says Gomez. This includes such questions as how the investment will benefit one’s goals, what is the worst case that can happen and how it will affect your life in the event the investments double or disappear.
• Think and act deliberately. John B. Dinsmore, assistant professor at Raj Soin College of Business of Wright State University states that quick decisions and investments made without sufficient thought and evaluation are usually fraught with emotional stress and anxiety. He advises investors to take the time to decide, without being pressured or pushed into making the investment whatsoever, by listing the advantages and disadvantages of a certain investment.
• Test your plan on those who know you best. Try to bounce off your friends who will not hesitate to tell you when you make emotionally-motivated decisions. This advice from April Masini, an etiquette and relationship guru, will help you in your decision-making process.
• Consider opposites in emotions. If you are overcome by fear or anxiety when the market is down, it is time to feel happy and prepare to buy, advises Rick Salmeron, registered financial planner at Salmeron Financial Network in Dallas, Texas. Conversely, when you feel the urge to gobble up stocks when they become hot, step on the brakes and avoid the desire by aiming to attain greater levels of emotional control and stability.
• Eat the right food to train your brain. Salmeron goes further by suggesting the use of food to help train the brain in making proper decisions. For instance, when he feels anxiety and fear from market shifts, he reaches for his “comfort food” (you can choose your own) to celebrate the opportunity to buy. On the other hand, when he feels giddy when markets prospects are bright, he eats “discomfort food” (licorice or any other unsavory food) to counteract the desire to splurge.
• Stick to a strategy for asset allocation and rebalancing. Only through the process of rebalancing can you develop the discipline to buy low and to sell high, advises Kristy Peev, portfolio manager at Halpern Financial. Because it is counterintuitive, not many investors practice portfolio rebalancing.

Many people will never experience how it is to invest in stocks. They are, sadly, missing the great benefits as well as the possibilities that they and their money are capable of doing. If you are one of those people, take a few minutes to consider how you can begin the experience and find out what it has really in store for you.

Mutual funds provide the appropriate ice-breaker for beginners. For just a few hundred bucks, mutual funds can offer you easy access to thousands of various stocks, giving every investor enough protection from the variety of broad-based mutual funds. The potential of losing a significant amount of money may happen when the whole market melts down; however, losing in one or two companies will not hurt as much as long as your overall portfolio remains buoyant.

On the other hand, investing in individual stocks can bring higher returns. This is because choosing the right individual stocks can offer potentially greater benefits compared to a diversified mutual fund.

How do the winners choose?

As with everything else in life, those who succeed are the ones who have perfected the method of diminishing, if not totally eliminating, careless mistakes or choices. A chef always has to depend on a recipe to make a perfect dish. A chess player will have to decide the best opening or defense to defeat one’s opponent and use either to gain the best positions. A teacher will need to prepare an outline of every lesson before facing a class. Investors also need a viable strategy.

There are specialized approaches to investing; but first, you have to get acquainted with the various methods for analyzing stocks. Chess playing can be more nerve-wracking or head-splitting than investing; nevertheless, you have to spend enough time seriously planning how to invest your hard-earned money.

Analyzing Fundamentals -- Buying a Business (Value, Growth, Income, GARP, Quality)

Buying a share of stock represents your owning part of a business or company. Hence, in order to determine the right value of a stock, you should figure out how much the company’s worth is. In general, this is done by evaluating the financials of a business, breaking it down in terms of the value of each share to arrive at the proportional worth of the share of the business. We often refer to this as "fundamental" analysis; and for many people, no other alternative way of evaluating stocks is as good.

In spite of the fact that evaluating a business may seem like an easy task, the challenge arises from the availability of various methods of fundamental analysis. Investors usually raise contrary views and apply subcategories in their desire to fully comprehend their chosen investing approach. Ultimately, most of them apply a method that incorporates the best strategies of various approaches. Whatever unique characteristics that differentiate these approaches are generally invented academic techniques and not real practical distinctions. And so, economists who evaluate the stock market categorize value and growth while practitioners consider these labels to be very useful. It will serve some good for the beginning investor to understand the following descriptions; hence, we will clarify what most investors mean in using these terms, although you must take care to verify the exact meaning of any person using them.

Value

A wise guy once said that a cynic is anyone “who knows the price of everything and the value of nothing.” That may apply to many people; but your goal as an investor is to know the price and the value of a firm’s stock, that is, to buy companies at a considerable discount to their intrinsic value or the worth of the business if sold the following day. In short, every investor is essentially a "value" investor, buying a stock whose value is greater than the price paid for it. Ordinarily, value investors intentionally look for the liquidation value of a company, meaning to say, the value of the assets if sold tomorrow. Nevertheless, the concept of intrinsic value is not explicitly attached to the liquidation value, making value quite an elusive matter to pin down. This only goes to show that while so many value investors have their own specific views, not everyone using the term "value" agree on one meaning.

Benjamin Graham is considered as the pioneer who established the foundation for modern value investing, in his 1934 book, Security Analysis (with co-writer David Dodd), which is currently used by many investors. There are other personalities known as dedicated practitioners of the value method, such as Michael Price and Sir John Templeton. Most of them apply extremely stringent guidelines for buying a company's stock. Their rules are often usually founded on the connections of the present market price of the business to specific business fundamentals. The following are examples:

• Price-to-earnings ratios (P/E) beneath a specific absolute limit
• Dividend returns beyond a specific absolute limit
• Total sales at a specific level in relation to the firm's market value
• Book value of each share at a specific level in relation to the share price

Growth

Growth investing refers to the concept of buying company stock with potentially high growth rates in earnings and sales. In this case, growth investors often focus the company's worth as a current business venture. Most of them choose to maintain their hold on these stocks for long durations. Eventually, growth ceases to be a real determinant of a company’s value, especially when investors refrain from buying into companies which are not growing. Two individuals are responsible for popularizing the idea of growth investing in the 1940s and the 1950s, namely: T. Rowe Price, founder of the mutual fund firm having the same name, and Phil Fisher, writer of one of the most influential investment books published, Common Stocks and Uncommon Profits.

Growth investors analyze the essential quality of the business and the growth rate before buy into it. Often, these investors get enthused with the arrival of new industries, new companies and new markets and buy company stocks they consider to have potentials of enhancing sales, earnings, and other vital business metrics at a certain minimum level yearly. Usually, growth is seen as a contrasting measuring stick in relation to value by many investors; however; the distinctions can blur at times.

Income

Even though many people buy common stocks, expecting the shares to grow in value, many others still buy stocks principally for the regular dividends they provide. These people are called income investors, who commonly neglect businesses offering shares with high prospects of capital growth to buy high-income, dividend-generating businesses in slow-growth industries. They prefer businesses that offer attractive dividends, such as real estate investment trusts (REITs) and utilities, in spite of the possibility of investing in firms going through dire problems and whose share prices have dipped substantially low that the dividends are subsequently so high.

GARP

GARP stands for “growth at a reasonable price” – and we know how much easier it is to use acronyms. To GARP investors, the best approach is to unify the value and growth approaches and incorporate a numerical twist. GARP practitioners prefer companies with sound growth potentials and high resent share prices which do not represent the fundamental value of the company, earning a "double play" as earnings grow and the price-to-earnings (P/E) ratios of those earnings also grow. GARPs most popular practitioner is Peter Lynch, the former Fidelity fund manager.

GARP involves one of the most common methods of buying stocks when the P/E ratio goes below the rate at which share earning can grow later on. As a business’ share earnings grow, the P/E of the company will decrease if the share price stagnates. Since rapid-growth firms can ordinarily maintain high P/Es, the GARP investor buys shares which will be low-priced tomorrow if the growth happens as predicted. But, if growth fails to arrive, the GARP investor's expected gain can go up in smoke.

Since GARP offers so many chances to only consider numbers rather than the business per se, many GARP methods, such as the almost pervasive PEG ratio and Jim O'Shaughnessy's ideas in What Works on Wall Street, are actually mixtures of fundamental analysis and quantitative analysis.

Quality

Nowadays, majority of investors apply a combined approach using growth, value and GARP strategies. They seek excellent companies offering "reasonable" prices. While they possess no compact guidelines for the type of mathematical connection between share price and business fundamentals, they do have a common philosophy of evaluating company valuations and their intrinsic worth. Generally, they utilize quantitative analysis, such as return on equity (ROE) and qualitative measurement of the management’s capability. Most of these investors call themselves value investors, even though they focus more on the worth of the company being a dynamic organism instead of a static asset that has value.

Warren Buffett of Berkshire Hathaway is considered the most well-known defender and practitioner of this method. Having learned from Benjamin Graham of Columbia Business School, he subsequently partnered with, Charlie Munger, who helped shift Buffet’s focus on Phil Fisher's mantra of growth-and-quality.

Misgivings about fundamental analysis

Critics of the fundamental analysis point to two primary points against it. First, they think that the approach uses precisely the kind of information that all primary players in the stock trade know and use beforehand. This, they say, does not add any genuine edge. Why bother with the fundamentals if all you do is remain as knowledgeable or as unaware as the next guy beside you? Second, a bulk of the fundamental stats is “muddy” or “blurred”, any person can make one’s own interpretation. A few talented investors may have succeeded with this method; however, detractors believe the ordinary investor can save a lot of trouble by leaving fundamentals alone.

Quantitative Analysis -- Using Numbers to Buy

The method of analyzing only the numbers with practically no regard for the business involved is called pure quantitative analysis. So, if you talk, walk and eat numbers more often than not, you must be a quantitative analyst. Whereas fundamental analysis considers numerical analysis at times, the main thrust is the concerned business, looking closely at management's capability, the nature of the competition, potential markets for innovative products, and others. Such things, for quantitative analysts, belong in the realm of personal opinions and not in the field of solid, raw facts that generate objective analysis.

Benjamin Graham, a major proponent of fundamental analysis, also helped popularized this method. At Graham-Newman partnership, he urged analysts to avoid talking to management in evaluating a business and told them to wholly focus on the numbers, thus eliminating biased management views.

With the proliferation of computers, many "quants" (as proponents are called) have cranked up the numbers more efficiently and, thereby, buying and selling businesses purely on quantitative evaluation while totally disregarding the present valuation or tangible business involved. Quite a revolutionary step away from fundamental analysis, we must admit. Moreover, "quants" will commonly inject concepts, such as a stock's comparative strength, which is the level at which the stock has stood in relation to the market, in general. These investors are fully convinced that discovering the appropriate figures can assure positive results. The company, D.E. Shaw, utilizes complex mathematical algorithms to determine tiny price differentials in the markets.

Your use of our Website

We hope that your visit to Southbourne Group is pleasant and beneficial to you. We also hope that you will visit once again more often and avail of our various services. The information published on this site is furnished for informational purposes only. All information and content on this Web site is subject to relevant statutes and regulations, furnished “as is” with no guarantee of any kind, implied or expressed, including but not restricted to implied warranties of merchantability, suitability to a certain objective, or non-infringement. While Southbourne Group strives to furnish precise and prompt information, there may be unintended technical or factual inaccuracies and typographical mistakes for which we ask your indulgence. We reserve the right to make amendments and necessary rectifications at any time.

Southbourne Group does not guarantee that the services contained in the materials will be uninterrupted or error-proof, that defects will be corrected, or that this website or the servers that make it available are without viruses or other adverse elements. Southbourne Group does not warrant or represent that the materials on this website are correct, precise, or dependable. You (and not Southbourne Group) assume the whole cost of all relevant servicing, repairs, or correction of your property or operations arising from any problems from utilizing this website.

Hyperlinks to other Site

We may oftentimes provide “hyperlinks” or, simply, “links”, to other firms’ websites. We furnish these links when we believe there are other websites that may assist or benefit you. This is provided as a service to you and should not be understood as an endorsement of any website, firm, product or service by Southbourne Group. While we strive as much as we can to furnish links only to those websites we think are trusted and dependable, we cannot be responsible for the content or accuracy of the data presented on those websites and we particularly waive any liability for any loss or damages which you may incur, directly or indirectly, from your use of them. We reserve the prerogative to disable a link to a third party blog at any time. If you leave this website via a hyper-link to another website, you do so at your own risk.

By visiting our website, you personally shoulder any risk that the Internet and online communications medium may not operate as intended in spite the efforts of Southbourne Group, your Internet Service Provider, and you.

Decisions based on data published on Southbourne Group’s website are the sole responsibility of the visitor, and as a result of using Southbourne Group site, the visitor consents to free Southbourne Group against any claims for damages resulting from any decisions the visitor makes based on such data.

You are not permitted to post on or transmit to or from this website any illegal, threatening, libelous, defamatory, seditious, scandalous, obscene, inflammatory, pornographic, or profane material, or any other content that could lead to any civil or criminal liability under the law.

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Office Address 1:

Level 37, Ocean Financial Centre, 10 Collyer Quay, Raffles Place, Singapore 049315

Telephone: +65 31 590 969

Office Address 2:

Level 21, Shin-Marunouchi Center Building, 1-6-2 Marunouchi,

Chiyoda-ku, Tokyo, Japan 100-0005

Telephone: +81 3 4510 6150

Careers

If you are interested in applying for a position in our group of professionals, please fax your application letter and resume, or send an application e-mail.

In your application letter, kindly identify your special skills and the field of the company where you feel you would be of the greatest value. Please include your salary needs and professional references. All resumes submitted will be held confidentially.

Southbourne Group provides equitable opportunities to all its employees and does not discriminate against any individual employee on the basis of race, creed, color, belief or religion, ancestry, sex, ethnic origin, age or physical disability.

Candidates must provide documented track record in business development with plan sponsors. The personnel will work with existing consultant-relations and client-relationship management groups in providing the progress goals of the firm’s institutional business.

Website: http://southbournegroup.com/

Because your Trust is so important

Your trust serves as the cornerstone of our relationship. This is why Southbourne Group conscientiously strives to protect your privacy. The information that you furnish us is held in the strictest of confidence. Southbourne Group does not intend to sell the personal data of our customers to third-party entities. Southbourne Group are happy to keep that obligation to you, because your trust in us vital to our business relationship. The following privacy policy illustrates how we make use of and safeguard our customers’ private information. Kindly read it carefully.

Notice of your Financial Privacy Rights

We, our, and us, as alluded to in this notice, refers to Southbourne Group. This is our privacy notice for our customers. When we mention the words “you” and “your”, we refer to several types of clients based on their involvement with us.

Our consumer clients are those who have an ongoing relationship by acquiring or holding financial products or services such as an:

• Self-directed Individual Retirement Account
• Financial, investment, or economic advisory services
• Mutual fund shares
• All IRA accounts for which we serve as custodian
• All individuals who use our trust department
• Former customers

Southbourne Group will inform you accordingly as to the sources of the information we gather about you. Moreover, we will let you know what measures we take to protect that information. Let us define some terms beforehand:

Nonpublic Personal Information means information about you that we acquire in connection with furnishing you a financial service or product. To help the government control the financing of terrorism and money laundering schemes, Federal law requires all financial institutions to acquire, validate, and record data that identifies every person who opens an account. Hence, when you open an account, we will require you to furnish your name, address, date of birth, and other data which will allow us to identify you. Southbourne Group will also request you to show us your driver’s license or other identifying papers.

Nonpublic personal information does not include information which is available from public archives, such as telephone directories or government documents. Hereafter, we will use the term “information” to mean nonpublic personal information as already defined in this section.

An affiliate is a firm we own or manage, a firm which owns or controls us, or a firm which is owned or controlled by the same company that owns or controls us. Ownership does not necessarily mean absolute ownership, but owning enough of the company to have management control.

A nonaffiliated third party is a person we do not employ or a firm which is not affiliated to us. We refer to this also as a nonaffiliated third party, or simply as an “other party”.

The Information we Collect

We gather information about you from these sources:

• Information you furnish us on applications or other forms
• Information about your dealings with us
• Information about your dealings with our affiliates
• Information we disclose about you

Southbourne Group does NOT divulge any data about you to anyone, except as allowed by law. This might include disclosures necessary to process your account, undertake joint-marketing or prevent illicit transactions.

Destruction of Sensitive Data. All records and information are carefully shredded before disposal. Destruction of documents is undertaken by authorized employees and/or bonded firms when the shredding of huge quantities of records is necessary.

The Confidentiality, Security, and Integrity of your Information

Southbourne Group confine access to data about you to staff members who need to know that information to furnish products or services to you. We keep physical, electronic, and procedural protection to secure this information.

Information about Former Clients

Southbourne Group has the same policy about divulging data about former customers as we do about present ones. Southbourne Group does not gather account or personal information from visitors who browse the public sections of our website. Southbourne Group does use “HTTP cookies” – tiny pieces of information that the company requests your browser to store. However, the company uses these cookies merely for website statistical information only. The company does NOT use them to acquire your e-mail address, or to view information in cookies created by other websites. Southbourne Group will not share the data in our cookies or give them to others.

What You Can Do

To protect your nonpublic, personal data, the company suggests that you do not divulge your account data or username and password to anyone. If you become suspicious of any activity like fraud with regard to your account, kindly contact us as soon as possible.

Welcome to client-focused Private Wealth Management.

At Southbourne Group, we assist families and individuals safeguard their richly-deserved assets while striving to attain their financial objectives that keep them challenged.

As a Southbourne Group customer, you will connect with a Relationship Manager who will personally come to know you and your objectives. Your Relationship Manager heads a group of experts that supervise each item of your wealth management approach – from implementing your tailor-fitted portfolio and furnishing you with meticulous reporting, to satisfying your queries and addressing your daily requirements.

At the core of our portfolio development strategy is the Enhanced Balanced™ Portfolio. To know more about this time-proven investment structure, browse the portfolio’s incorporated funds shown as follows:

Enhanced Balance Allocation

An extensive allotment approach from Southbourne Group is founded on our Enhanced Balanced Allocation – an asset approach strategy created utilizing remarkable return/risk and correlation data, merged with our proprietary capital market projections. This proprietary allocation approach is intended to increase potential revenue while reducing risk, and offers the structure for our customers’ portfolios.

As a customer, your portfolio will include:

• A participative approach to setting up an asset allotment policy and rebalancing recommendations using the firm’s proprietary capital market projections.
• Openness to a tailor-fit asset combination that will address individual investment goals and degree of risk tolerance.
• Accessibility to several managers to obtain exposure to an assortment of investment approaches and principles.
• Professional investment management groups that offer input on underlying asset types and suggested goal weightings.
• An attractive fee schedule founded on degree of assets – not the quantity of asset types.

Private Wealth Management

At Southbourne Group, we assist families and individuals safeguard their richly-deserved assets while striving to attain their financial objectives that are important to them.

As a Southbourne Group customer, you will connect with a Relationship Manager who will personally come to know you and your objectives. Your Relationship Manager heads a group of experts that supervise each item of your wealth management approach – from implementing your tailor-fitted portfolio and furnishing you with meticulous reporting, to satisfying your queries and addressing your daily requirements.

At the core of our portfolio development strategy is the Enhanced Balanced Portfolio. To know more about this time-proven investment structure, browse the portfolio’s incorporated funds shown as follows:

Investors Relations

Corporate Profiles

Southbourne Group offers investment management assistance to institutional investors, private capital customers and investment intermediaries. Southbourne Group administers an assortment of investment methods, Global and Emerging Markets equities as well as income-based portfolios. Use to these methods is accessible through segregated accounts, co-mingled funds and mutual funds.

Southbourne Group Personal Strategies are diversified portfolios that assist institutional customers leverage our sensible, value-based investment approach to aim for particular asset types and market areas.

Southbourne Group Large Cap Value

The Southbourne Group Large Cap Value Strategy invests in about 40 to 60 firms with appealing evaluations. The portfolio group searches for high-quality firms with potentials for future productivity that are considerably stronger than what is presented in the present stock value. Firms with enough free cash-flow and low-debt are selected.

Portfolio risk is managed by restricting the expected weight of each holding, setting maximum position boundaries, and constricting sector weightings. The beta of the portfolio is commonly below that of the market.

Buy Discipline

Firms are strictly scrutinized and factors measured in evaluating securities include:

• Increasing ROE (Return On Equity)
• A decreasing debt/equity ratio
• Positive cash-flow
• Positive revenues surprise without a matching increase in Wall Street profits estimates.

Sell Discipline

The Sell Discipline is vital to managing portfolio risk and includes:

• Stock attains ultimate price goal.
• Fundamental change in firm or sector that adversely affects initial investment concept.

Southbourne Group Income Opportunity

The Southbourne Group Income Opportunity Fund is a dynamically administered portfolio that aims to produce active revenue with asset increase and tax competence by concentrating on firms with cash-flow that is stable enough to maintain a continuous or growing dividend. The fund selects dividend-issuing common stocks, preferred stocks, convertibles securities, royalty trusts, energy MLPs, REITs, and certain debt instruments.

Investment Approach

• Offers greater present revenue than those of conventional fixed-income instruments.
• Vigorously administered portfolio of liquid and transparent securities.
• Invests in an assorted group of revenue-producing asset types.

The Fund’s Investment Universe Include:

• Preferred Stocks
• Dividend-Paying Common Stocks
• Convertible Securities
• Bonds and Other Debt Securities
• Real Estate Investment Trusts (REITs)
• Master Limited Partnerships & Trusts (MLPs)
• Money Market Instruments
• Inflation-Sheltered Securities

Southbourne Group Dividend Growth

The Southbourne Group Dividend Growth portfolio focuses on long-lasting capital growth through bottom-up security options while concentrating on firms with a consistent and rising dividend output. A minimum of 80% of the portfolio is put into securities that provide a dividend presently. The procedure favors firms with high cash-flow turnover on capital and appealing valuations. The strategy invests in about 40 to 60 firms with market capitalizations higher than $1 billion.

Investment Approach

The process starts with several quantitative evaluations that are intended to pinpoint top-quality firms with characteristics such as attractive valuation, an excellent degree of cash-flow return on capital, consistent dividend, and a manifest dedication to increasing the cash-flow payoff.

When such firms are pinpointed, they undergo a proprietary Multi-Factor evaluation which categorizes firms based on:

• Valuation
• Free cash-flow measurements
• Revenues quality, comparing economic returns to GAAP (Generally-Accepted Accounting Principles) returns.

The firms that rate in the top quintile are evaluated subsequently by the fundamental research group, and those exhibiting viable fundamental structures are deemed qualified for acquisition by the portfolio group.

Risk management procedures involve a sector weight limit of 25% on an absolute basis, exposure to a minimum of six sectors, and at most 5% position size.

Sell Discipline

Sell motivations may include:

• Decrease in the proprietary Multi-Factor grade standing.
• Decrease in the dividend payout.
• Infringement of the investment hypothesis.
• Attainment of the price goal initially set.

Southbourne Group Global Equity

The Global Equity Strategy provides investments in the common stock of 65 to 85 firms based worldwide, with market capitalizations over USD $1 billion.

We believe that investments in viable enterprises that are valued incorrectly and that can produce high and consistent revenues growth will allow excellent economic returns on a long-term basis.

A bottom-up firm evaluation process that is mixed with a country allocation structure is the main factor in our decision-making method. In depth, proprietary fundamental investigation undertaken by the group of portfolio managers and analysts on an international scope is used to uncover promising market stocks with consistent earnings growth and Economic Value Added (EVA) potentials unnoticed by the market, at appealing assessments.

Buy Discipline

Preliminary screens are used to limit the collection of investable firms by searching for firms with necessary trading liquidity, market capitalization and Cash Flow Return on Investment (CFROI) measurements.

When the first list is created, Research Analysts undertake additional industry-defined evaluations and screen the list further through sector-defined evaluation multiples and/or operational parameters. The Analysts and the head Portfolio Manager then create a Priority List of the top contenders for farther due diligence based on both qualitative factors and sub-sector dynamics.

Fundamental evaluation is undertaken in three phases:

1. Qualitative evaluation aims to comprehend and estimate a firm’s franchise worth, competitive edge over other firms, growth motivators and management orientation.

2. Quantitative evaluation, on the other hand, scrutinizes and assesses the firm’s financial statements for the last 1 to 2 operational cycles as well as predicts its performance through the coming 3 to 5 years.

3. Computation of fair value: Utilizing the discounted cash-flow method, along with parameters such as P/E, price/cash flow, and enterprise value/ EBITDA, we estimate a reasonable fair value price.

Sell Discipline

Stocks acquired in the portfolio are kept until a new option with better fundamentals and revenue characteristics is identified. All portfolio holdings and contenders are assessed within the scope of the general portfolio. There are no instant sales of securities; however, prospective sell stimuli may include achievement of fair value and decrease in worth or essential quality.

Southbourne Group Emerging Markets

The Emerging Markets Strategy invests in the common stock of 70 to 90 firms that are situated, or conduct major operations in expanding markets and have market capitalizations of more than USD $500 million. We believe that investments in viable enterprises that are not correctly valued and can produce positive and consistent revenues growth will allow excellent economic returns on a long-term basis.

A bottom-up firm selection strategy is the main asset in our decision-making procedure. In-depth, proprietary fundamental investigation undertaken by the group of portfolio managers and analysts on a worldwide scope is utilized to uncover rising market firms with consistent revenues increase and Economic Value Added (EVA) potentials not identified by the market, at appealing appraisals.

Buy Discipline

Preliminary filters are used to limit the scope of viable firms by searching out those with necessary trading liquidity, market capitalization and Cash-Flow Return on Investment (CFROI) parameters.

After the first list is produced, Research Analysts undertake additional industry-based filters and evaluate the list further through sector-sensitive estimation multiples and/or operational measurements. The Analysts, and lead Portfolio Manager then create a Priority List of the best prospects for greater due diligence based on qualitative factors and sub-sector patterns.

Fundamental evaluation is undertaken in three phases:

1. Qualitative evaluation aims to comprehend and estimate a firm’s franchise worth, competitive edge over other firms, growth motivators and management orientation.

2. Quantitative evaluation, on the other hand, scrutinizes and assesses the firm’s financial statements for the last 1 to 2 operational cycles as well as predicts its performance through the coming 3 to 5 years.

3. Computation of fair value: Utilizing the discounted cash-flow method, along with parameters such as P/E, price/cash flow, and enterprise value/ EBITDA, we estimate a reasonable fair value price.

Sell Discipline

Stocks acquired in the portfolio are kept until a new option with better fundamentals and revenue characteristics is identified. All portfolio holdings and contenders are assessed within the scope of the general portfolio. There are no instant sales of securities; however, prospective sell stimuli may include achievement of fair value and decrease in worth or essential quality.

Southbourne Group strives hard to minimize risk and retain transparency in our customers’ portfolios, as well as in our enterprise. Southbourne Group sustains a healthy balance sheet with no liability and a minimum one-year’s value of working capital in hard currency always. Southbourne Group does not make use of leverage, take deposits, or make loans.

As a publicly-traded firm, a registered investment counselor, and a state-certified trust firm, Southbourne Group is under several tiers of supervision.

Role in the Community

Welcome to a Cultrate that Cares.

Southbourne Group has a vast experience of serving the cause of a more resilient community and self-reliant future. Through our ideas and accomplishments, the company plays a vital role in creating a greener, more vibrant economy.

To create a concrete change in our community, the company inspires all of our workers to participate. Our labors are not merely oriented outward; the company invests a significant amount of psychic and material capital to produce a vigorous and joyful place to establish a career in helping clients succeed.

Company Culture

For each incoming year, the company all anticipates productive moments and demanding times – both as individuals and as a group.

Institutional Investing

Welcome to goal-oriented Institutional Investing.

At Southbourne Group, the company assist institutional investors expand their portfolios, manage risk, and achieve excellent long-lasting performance.

Corporate pension and public retirement programs, foundations, endowments, mutual funds, and high-net value individuals trust Southbourne Group for entry to an assortment of investment instruments to aid them attain their objectives.

• Our Single Investment Institutional Approaches are intended to assist bigger institutional investors identify certain asset types and market areas that match their general portfolio.
• Our Comprehensive Asset Allocation Strategy is created to aid smaller firms and high-net value individuals invest in a more favorable mixture of Southbourne Group methods.

As a Southbourne Group customer, your service group includes primary and secondary Client Relationship Managers, a Client Advocate, and an Operations Specialist – all committed to continually keep you informed and served well.

Please get in touch with us to find out which Southbourne Group Investment Strategy perfectly suits your needs.

Success is always associated with wealth. Although you can be successful without becoming wealthy, most people who struggle financially consider financial independence as success. If you really want to succeed, clean up your finances and make an educated decision as to what kind of loan will take you on that path. Considering personal loans also known as signature loans, like signature. Loan recommends, can lead you to that goal of reaching financial success.

On the other hand, success is built on specific habits that are common traits of many self-made wealthy individuals. Regardless of your financial status today, you are likely to become wealthy and successful if you possess the right qualities. If you don’t have these qualities yet, it’s time you start developing them now.

Today, we will be going over these habits that foster wealth and success. Let’s get started!

1. Wealthy People Know What They Want

Just like architects, wealthy people have their own blueprint of their future. They know exactly what they want, so they know what they need. They plan their goals carefully.

Once they are in the building process, they do not compromise their plans. They are open-minded, but they are determined to prove they’re on the right track.

2. Wealthy People Never Surrender

When they are down, the more they become eager to move forward because they know that moving forward is the only direction left. That’s how they think, so they do not give up easily on something, especially on achieving a goal.

3. Wealthy People Are Less Talkative but More Action-Oriented

Most unsuccessful people are the ones who have a lot to say. They are good at reasoning out. These are the people who keep on complaining about many things.

Meanwhile, wealthy people talk less as they keep thoughts to themselves. They want their results to speak louder than what they would say. They will not tell you “this can be done.” Instead, they will just do it and show you how.

4. Wealthy People Avoid Negative People

Wealthy people are not interested in getting along with negative people. They are not comfortable hearing expressions, like “I hope so,” “That’s impossible,” “I am not sure,” and so on. The people they want to be around are positive people who are passionate and enthusiastic about what they do.

5. Wealthy People Do Not Procrastinate

It’s no secret to everyone that procrastination is one of the many obstacles toward success. For wealthy people, time is of the essence as they consider time as a precious commodity. Instead, they increase time’s value through organization so that it’s properly utilized. This is why their own rate, they set for themselves is much higher than other people in the workplace.

6. Wealthy People Work Hard

Everybody knows that working hard is the key ingredient to success; however, many people simply don’t do it in reality. This habit is not a secret as all you have to do is apply it in business. Wealthy people work hard, but they schedule out their time accordingly.

7. Wealthy People strive to be Frugal

Wealthy people put a large portion of their money into some type of investment in order to make more. They tend to be frugal with their money as they use wisely on specific purchases. Wealthy people tend to also make budgets and stick to them in order to succeed.

Final Thoughts

To foster wealth and success you have to have the right mindset. Following the habits that have been outlined today will get you started on the right path. Which processes will you apply in your life in order to achieve wealth and success?