Moize Goulamhoussen – Portfolio Manager and Wealth Advisor
This is the blog of Moize Goulamhoussen, who has worked in the finance sector for over two decades. This blog will explore various aspects of Mr. Goulamhoussen’s professional life, covering a variety of topics including investing in stocks, portfolio management services, and wealth management.
Investing
Before a potential investor puts money into stocks, they should identify their investment goals. Some individuals use the SMART system to help them create these goals; this acronym stands for specific, measurable, achievable, realistic, and time bound. It’s also important to identify an investment strategy, which includes considering how much time one is able and willing to devote to investment activities. Those wishing to invest in the stock market have a number of options; investments can be made, for example, via index trackers, unit trusts, and funds, or by picking one’s own stocks and shares.
Once an investment has been made in stocks, it’s crucial to regularly review one’s portfolio. This way, if it becomes apparent over time that too much is invested in a certain area and too little in another, the investor can take steps to rebalance.
Portfolio Management
Portfolio management involves selecting and overseeing a collection of investments as per the financial objectives and risk appetite of a company, client, or institution and can be either passive or active. Passive portfolio management takes a hands-off approach and is typically less costly to perform. Meanwhile, active portfolio management is hands-on and more costly, with managers using a range of qualitative or quantitative models to help inform their assessment of potential investments.
Some of the key elements of portfolio management are asset allocation, diversification, rebalancing, and tax efficiency. In terms of the former, this tends to be about ensuring a good long-term mix of assets, such as bonds, stock, and cash equivalents. Alternative investments may also be included, like commodities, derivatives, real estate, and cryptocurrency. Wealth managers rebalance portfolios to capture recent gains, open the doors to new prospects, and keep the overall portfolio aligned with its original risk-return profile.
Wealth Management
Many affluent individuals hire the services of a wealth manager to help meet their financial needs. As part of providing an investment advisory service, wealth managers develop a personalised strategy, making use of a range of financial services and products to assist their client in achieving their financial goals. Wealth managers typically adopt a comprehensive approach, providing an array of services such as estate planning, investment and retirement advice, accounting, and tax services.
