CI-Associates

As we return from summer vacations, it's essential to reassess our financial strategies and ensure we're on the right path. Luigi Wewege highlights why now is the ideal time to secure your financial future.

"As the warmth of summer fades and the memories of vacations linger, many of us return to our daily routines refreshed and invigorated. However, this is also an opportune moment to reflect on our financial health and future stability. Summer vacations often lead to increased spending, which, while contributing to short-term happiness, can have long-term financial repercussions if not managed properly. Here’s why making long-term financial plans after summer vacation spending is crucial for everyone."

👉 Discover these key insights and start planning today:
https://www.ci-associates.com/ten-reasons-on-the-importance-of-long-term-financial-planning-post-summer-vacation/

Ten Reasons on the Importance of Long-Term Financial Planning Post-Summer Vacation As the warmth of summer fades and the memories of vacations linger, many of us return to our daily routines refreshed and invigorated. However, this is also an opportune moment to reflect on our financial health and future stability. Summer vacations often lead to increased spending, which, while co...

The High Costs of IT Outages 📉

IT outages can have severe financial repercussions for both companies and their investors. Investing in technology is essential, but understanding the potential risks and costs associated with IT outages can lead to more informed investment decisions. Are your investments protected against IT risks?

Here’s a look at some of the most costly IT outages in history :

▶️ BlackBerry (2011): The outage lasted nearly four days and cost Research In Motion (RIM) over $100 million, due to a hardware failure that affected users globally​.

▶️ Amazon Web Services (2017): A four-hour outage caused by a typo impacted major websites and services, with costs estimated at $150 million​.

▶️ Delta Airlines (2016): A power outage led to the cancellation of 2,300 flights, costing the company approximately $150 million.

▶️ British Airways (2017): An IT system failure disrupted travel for 75,000 passengers, resulting in a $68 million loss​.

▶️ Facebook (2021): A six-hour global outage affecting Facebook, Instagram, and WhatsApp reportedly cost $100 million in lost revenue.

Retirement planning is a multi-step process that evolves over time. To have a comfortable, secure—and fun—retirement, you need to build the financial cushion that will fund it all. Here are five critical steps to help you achieve your retirement goals:

1. Determine Your Time Horizons
- Understand when you plan to retire and how long your retirement will last. This will influence your investment strategy and how much you need to save.

2. Estimate Retirement Expenses
- Calculate your expected retirement expenses. Consider housing, healthcare, travel, and daily living costs. This will give you a target to aim for in your savings plan.

3. Calculate Required After-Tax Returns
- Determine the rate of return you need on your investments to meet your retirement goals. This helps you decide on the right investment mix.

4. Assess Risk Tolerance vs. Investment Goals
- Younger investors can afford to take more risks, while those closer to retirement should be more conservative. Regularly review and adjust your portfolio to match your risk tolerance and investment goals.

5. Stay on Top of Estate Planning
- Ensure your estate plan is up-to-date. This includes wills, trusts, and beneficiary designations. Regularly review and update as necessary to reflect life changes.

🔍 How Much Should I Save for Retirement?

A good rule of thumb is to save 15% of your gross annual earnings every year. Start as early as possible to take advantage of the power of compounding.

Your career, family size, retirement age, and post-retirement goals will all factor into your retirement planning. Start planning today to ensure a financially secure and enjoyable retirement!

🗓️ Book a consultation with us today.
https://www.ci-associates.com/book-a-free-consultation/

"An investment in knowledge pays the best interest." - Benjamin Franklin

Education is a crucial part of financial success. At CI-Associates , we believe that empowering our clients with knowledge is the first step towards achieving their financial goals.

Let’s invest in your financial future together. Book a free consultation today:
📅 https://www.ci-associates.com/book-a-free-consultation/

📉 Global Debt Reaches $315 Trillion

According to the Institute of International Finance, global debt has hit $315 trillion, the highest since WWII. This surge, driven mainly by emerging markets, coincides with the Covid-19 pandemic. Notably, emerging markets now hold $105 trillion in debt, while mature economies like Japan and the US contribute two-thirds of the total debt. Despite a falling debt-to-GDP ratio in mature economies, the overall ratio is up due to rising debts in emerging markets. Key risks include inflation, trade friction, and geopolitical tensions.

Key insights:

💡Emerging Markets: Debt surged to over $105 trillion, a $55 trillion increase in the past decade.

💡 Mature Economies: Contribute two-thirds of the debt, with Japan and the US leading.

💡Debt-to-GDP Ratios: Falling in mature economies but rising in emerging markets to 257%.

💡 Risks: Inflation, trade friction, and geopolitical tensions could raise global funding costs.

Subscribe to our newsletter for more insights on global financial trends. 🌐📊
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The best time to invest was yesterday, the next best time is now! 🚀
At CI-Associates, we understand that making the decision to invest can feel daunting. But remember, every moment delayed is an opportunity missed. Whether you're planning for retirement, looking to grow your savings in a strong currency, or seeking tax-efficient investment strategies, now is the time to act.

🔗 Get started today :
https://www.ci-associates.com/book-a-free-consultation/

Thinking about retirement early can make all the difference. 🕰️ With the right planning, the goal isn't just to retire; it's to retire well. At CI-Associates, we're here to guide you through optimizing your retirement savings with strategies tailored to your lifestyle and aspirations. Let's plan today for the tomorrow you deserve.

Whether you're just starting your career or looking to diversify your portfolio, CI-Associates offers tailored wealth management solutions to help you achieve your financial aspirations. Our team of experienced advisors will guide you through various wealth-building strategies, from investing in different asset classes to maximizing your earning potential.

Ready to take charge of your financial future?

📅 Schedule a consultation and start investing in your future today https://www.ci-associates.com/

John Maynard Keynes once said, 'Markets can remain irrational longer than you can remain solvent.' Wise words in today's volatile market! Remember, long-term investing and a diversified portfolio can help weather the storm.

🚨💳 U.S. credit card debt hit a staggering $1.13 trillion, with a significant $50 billion increase in Q4 2023 alone, per the Federal Reserve Bank of New York. More alarming, delinquency rates are surging, especially among younger millennials (ages 30-39). This trend underscores the critical need for robust personal financial planning.

Navigating credit wisely & understanding the impact of debt are essential skills in today's economy. Whether it's budgeting, saving, or investing, making informed decisions can help prevent financial strain and build a secure future.

Safeguarding Your Wealth 🛡️

In a world full of uncertainties, protecting your wealth for you and your loved ones has never been more important. Our asset protection strategies are designed to shield your wealth from unforeseen circumstances, ensuring your financial legacy remains intact.

Discover how you can fortify your financial future today.
🔗

Wealth Management Trusted by over four thousand clients across Latin America and the world, our wealth management service is all about you.

Happy Easter! 🐰

Just a friendly reminder this festive season: "Don't put all your eggs in one basket!" 🥚💼
Diversification is the key to a resilient portfolio.

Dive into Momentum's "Global Matters | Monthly Market Review & Outlook" for a comprehensive analysis that merges global and emerging market performances, the impactful role of technology in market dynamics, key economic indicators affecting bond markets, and strategic investment opportunities.

https://www.ci-associates.com/global-market-review-outlook-february-2024/

Global market review & outlook February 2024 Equity markets continued to surprise on the upside with a gain in February of 4.2% in developedmarkets (MSCI World index) and 4.8% in emerging markets (MSCI Emerging Markets index).MSCI World has returned 11% so far this year, 23% since the current surge in markets started inlate October 2023, and 4...

CI-Associates wishes to express sincere appreciation to women globally, with special recognition extended to the esteemed women within our team. Your contributions are invaluable, serving not only as a foundation for our achievements but also as inspiration for continuous improvement and innovation. We are grateful for your dedication and are committed to supporting your growth and leadership every day.

Explore the advantages of Dollar-Cost Averaging, a methodical investment strategy that simplifies entering the market by investing fixed amounts at regular intervals. Vicente Rodriguez - Wealth Manager breaks down the essentials of a steady investment journey. Learn how regular, disciplined investments can lead to substantial growth in your portfolio.

https://www.ci-associates.com/dollar-cost-averaging-the-smart-strategy-for-long-term-wealth-building/

Dollar-Cost Averaging: The Smart Strategy for Long-Term Wealth Building Imagine setting aside a certain sum of money and investing it in a regular and disciplined manner, without worrying about the current price of what you’re buying. This method, known as dollar-cost averaging (DCA), is a favorite for those looking to grow their wealth over the years.

Markets began to consolidate in January and returns ended the month in a more mixed fashion, compared to the ‘(almost) everything rally’ seen in Q4 2023.

Global market review & outlook January 2024 Markets began to consolidate in January and returns ended the month in a more mixed fashion,compared to the ‘(almost) everything rally’ seen in Q4 2023. Global developed and US equities bothcontinued their momentum to reach all-time highs, returning 1.2% and 1.7% respectively.

Don't let financial mistakes linger! At CI-Associates, we believe in prompt action. Identify, rectify, and stride confidently towards financial well-being.
Every financial misstep is a chance for growth. Act now to correct mistakes and pave the way for a more secure future.

Your future self will thank you!

Join our upcoming webinar on investing in the UK property market!

Hosted by Valeria Montero V. , head of CI-Associates property department and Sophia Hopton Echenique from API Global's Latin America office, this session will provide valuable insights.

👉 Register here:
https://forms.gle/tvhXc5TCzWb61CV18

We specialise in hassle-free UK investments, offering end-to-end solutions—from securing mortgages and establishing limited companies to property management and eventual sales.

Let us simplify the process and make international investing in the UK effortlessly accessible for you.

We are thrilled to present the latest insights shaping the future of global markets in our exclusive "Global Market Review & Outlook 2024" report.

https://www.ci-associates.com/global-market-review-outlook-2024/

Global market review & outlook 2024 In the face of considerable headwinds, 2023 turned out to be a much better year for investors thanexpected, with nearly all asset classes producing positive returns, mostly well above inflation andbetter than cash, which itself delivered the best return since before the Global Financial Crisis.

We are aware that safeguarding and maintaining your current assets is a top priority. Our financial planners can make sure you’re ready and that your assets are secured should things unexpectedly change.

https://www.ci-associates.com/protect-your-wealth/

Protect your wealth We are aware that safeguarding and maintaining your current assets is a top priority. And that makes sense. Our financial planners can make sure you're ready and that your assets are secured should things unexpectedly change. Life may throw you a curveball that impacts your health, family, and/or bu...

A fresh year is upon us, brimming with opportunities to shape a brighter financial future. But where do you start? Don't worry, We have got your back with 5 simple steps to set you on the path to financial success:

🎄✨ Season's Greetings from the CI-Associates Team! 🎅🌟 Wishing you a joyful holiday season filled with warmth, laughter, and unforgettable moments. May the spirit of togetherness and goodwill surround you and your loved ones.
Here's to a new year filled with prosperity and success! 🥂🎉

As financial consultants, we firmly believe that your financial strategy should always be tailored to your particular financial needs and goals. Since no two people have the same financial condition or goals, your financial plan should be customized to your unique scenario.

Your current financial state, your short- and long-term financial goals, your risk tolerance, and other aspects that are particular to you are all taken into account in a tailored financial plan. You can have a clear knowledge of where you are financially, where you want to go in the future, and the steps you need to take to get there with a tailored financial plan.

Identifying your financial goals is the first step in developing a personalized financial strategy. These objectives can be retirement planning, debt repayment, property ownership, supporting your children's education, or setting up an emergency fund. Once your objectives are established, a financial counselor may assist you in determining your present financial condition and creating a strategy to reach your objectives.

Your risk tolerance should be taken into account too. You might be more or less inclined to accept financial risks depending on your personality and financial condition. You can create an investment portfolio that reflects your risk tolerance with the aid of a financial advisor, who can also assist you in determining the level of risk that is suitable for your circumstances.

In conclusion, reaching your financial objectives requires a personalized financial plan. You may reach your financial goals with the assurance and clarity you need by working with a financial advisor to develop a strategy that is customized to your particular requirements and circumstances.

Let's start now!

https://www.ci-associates.com/book-a-free-consultation/

#2024

Is managing your money a high priority for this new year?

It's the perfect time to evaluate your finances at the beginning of the year to make sure you have a plan and that everything is in order. Your decisions could have a significant influence on the position of your finances.

It can be very challenging to determine where to invest, how much money you should set aside for your retirement, and what to do to protect your family's financial future on your own.

👉 Here is where we step in to help you.

We assist our clients by carefully evaluating their financial and personal situation and creating a plan from there.

Let's start 2024 on the right foot!

#2024

"The most powerful way to control your focus is through the use of questions"

💡 What dreams and goals do you have?

💡How realistic is it to reach all of them?

💡 What's the best way to protect your family and yourself?

💡 When will you be able to retire and how much will you need?

💡 What if something happen to you?

💡 What would I do if your job suddenly disappeared?

How to Get Started with Making Your First Offshore Investments 🌎

“Most countries have strict regulatory systems to combat money laundering and tax avoidance. While these may seem complex, they are not meant to penalize those looking to invest legitimately. It’s a matter of choosing a financial institution that can take you through the process step-by-step and ensure that you don’t inadvertently thwart the relevant laws,” says Luigi Wewege, the President of award winning Caye International Bank in Belize.

Read more :

How to Get Started with Making Your First Offshore Investments The benefits of offshore investments: Privacy, Asset Protection, Higher Returns, Tax Benefits,and Currency Diversification.

The ESG generation gap is a fascinating trend that highlights the different priorities that millennials and boomers have when it comes to investing. Millennials are more likely to invest in companies that are committed to environmental and social responsibility (ESG), while boomers are more likely to focus on traditional factors such as financial performance.

A survey of investors released by Stanford Graduate School of Business, the Rock Center for Corporate Governance, and the Hoover Institution found that younger investors are more likely to want fund managers to pursue ESG objectives, even if it means risking higher losses.

The survey polled 2,470 investors with savings ranging from less than $10,000 to more than $500,000. It found that investors under 40 are more likely than older investors to say that ESG factors are important to their investment decisions. They are also more likely to say that they are willing to sacrifice some financial returns in order to invest in companies that are committed to ESG.

Regardless of your generation, it is important to do your research and invest in companies that align with your values and financial goals.

The stock market is designed to transfer money from the Active to the Patient." – Warren Buffett 📈💡

Warren Buffett, one of the most successful investors of all time, reminds us of the importance of patience in the world of investing.

The Importance of Investing for Your Future: 5 Key Reasons to Start Today

Investing for your future is a crucial part of financial planning. It helps you to grow your wealth, achieve your financial goals, and secure your financial well-being for the long-term. Here are some key reasons why investing is important:

The Importance of Investing for Your Future: 5 Key Reasons to Start Today Investing for your future is a crucial part of financial planning. It helps you to grow your wealth, achieve your financial goals, and secure your financial well-being for the long-term. Here are some key reasons why investing is important: