Category: Finance

How Things Will Change The Way You Approach Robert Talevski

Posted: November 5, 2024
Updated: November 6, 2024
http://www.penseyeview.com/?p=219

A seasoned Multi-Asset Portfolio Manager, Robert unlocks investment success for clients through his 30-year journey. He leads Activam Group, a Melbourne-based firm that orchestrates a holistic value proposition. Previously, he managed multi-billion dollar portfolios at Australia’s largest corporate superannuation fund. He honed his expertise internationally as an Investment Consultant, advising clients with $50 billion in assets.

Asset Allocation Strategist

Depending on your financial goals and investment time horizon, an appropriate asset allocation can help you achieve them. Asset allocation involves dividing your portfolio among different assets such as stocks, bonds, and cash. The right balance of assets will depend on your risk tolerance and investment time horizon, as well as your current financial situation and lifestyle. Check out Robert Talevski official site for more info now!

Multi-Asset Portfolio Manager Robert Talevski unlocks financial success for clients through his 30-year journey in investment management. As Founder and Managing Director of Activam Group, an independent Melbourne-based firm, Robert orchestrates a holistic value proposition. His responsibilities include crafting investment strategies that generate growth through targeted asset allocation and Investment Manager Selection. He also directly oversees client portfolios, ensuring clients receive clear communication and responsive service.

Investors are currently facing a confluence of factors that could push the ASX 200 to new highs. In this thought piece, multi-asset portfolio manager Robert Talevski explores the solid economic backdrop and global easing cycles that are driving equity market gains.

Investment Manager Researcher & Selection

Robert Talevski unlocks financial success for clients through his 30-year journey as a multi-asset portfolio manager and investment consultant. As Founder and Managing Director of Activam Group, an independent Melbourne-based firm, he orchestrates a holistic value proposition, ensuring clients receive clear communication and responsive service.

Robert leads a team of professionals in crafting investment strategies that generate growth through targeted asset allocation and Investment Manager Research and Selection. He also directly oversees client portfolios, addressing all queries regarding their investments with personalized attention.

Prior to founding Activam, he refined his expertise as an Investment Consultant with large industry and corporate super funds, charities and private wealth clients, advising on investment matters across a $50 billion global portfolio. He has a Bachelor of Business (Accounting & Law) from Victoria University, and a Graduate Diploma in Applied Finance & Investment from the Financial Services Institute of Australia. Outside of work, he is an advocate for Autism-related charities, and serves on the board of the Autism Behavioural Intervention Association.

Investment Management Professional

As a Multi-Asset Portfolio Manager, Robert Talevski unlocks financial success for his clients through an all-encompassing value proposition. He is the Founder & Managing Director of Activam Group, an independent Melbourne-based firm that offers multi-faceted investment management and asset consulting solutions. He leads a team of experts to craft and implement strategies as an Asset Allocation Strategist, providing insights as an Investment Manager Researcher & Selection expert. He directly oversees client portfolios to ensure they receive personalised attention and clear communication.

Investing in the Australian equity market has never been easier or more attractive. This insight from investment management professional Robert Talevski covers a range of essential topics, including navigating the complexities of multi-asset investing and implementing the right strategy according to your financial objectives, time horizon and risk tolerance.

Equities may have risen to new highs, but this bull run could be far from over. Investment management professional Robert Talevski explores the solid economic backdrop, global easing cycles and why history favours continued gains in this equity market.

Founder & Managing Director of Activam Group

Founder & Managing Director of Activam Group, an independent Melbourne-based firm, Robert Talevski unlocks client financial success through a holistic value proposition. As an Asset Allocation Strategist, he crafts investment strategies that generate growth through targeted Asset Allocation and Investment Manager Selection. He also oversees client portfolios and directs the team of investment management professionals at Activam.

Previously, he championed innovative investments at Brightstone Capital Advisors and managed multi-billion dollar portfolios for Australia’s largest corporate superannuation fund. He honed his expertise internationally as an Investment Consultant, advising clients with more than $50 billion in assets. He holds a Bachelor of Business (Accounting & Law) from Victoria University and a Graduate Diploma in Applied Finance & Investment.

Despite surging equity markets, the bull market’s third year may be a long way off according to Investment Management Professional Robert Talevski. In this podcast, he explores the solid economic backdrop, global easing cycles and why history favours continued gains for listed Australian companies.

How to Protect Your Wealth and Achieve Generational Goals

Posted: October 22, 2024
Updated: October 20, 2024
http://www.penseyeview.com/?p=212

Keeping your hard-earned wealth intact requires more than just saving money. It requires an enduring family wealth protection strategy designed to safeguard lifetime assets and help you achieve generational wealth preservation goals.

Using strategies like proper asset titling, diversified investments, and insurance can help you preserve your wealth for years to come. Learn more about protect your wealth with Kubera, an all-in-one wealth tracking tool.

Protecting Your Investments

Regardless of whether you’re a business owner or high-net-worth individual, protecting your wealth should be one of the top priorities on your agenda. Having a comprehensive asset protection strategy in place allows you to shield your personal and business assets from lawsuits, creditors, and financial risks, ensuring that your hard-earned money is safe and secure.

Insurance plays an important role in protecting your wealth, but it’s not enough on its own. You also need to have an overall plan in place that protects your investments, such as setting up a trust fund.

A trust fund holds your investments and real estate, so that when you pass away, those assets can be distributed to beneficiaries without being impacted by taxes, creditors, or other legal proceedings. This allows your loved ones to keep and enjoy the wealth that you’ve worked so hard to build over the years.

Taking Defensive Measures

While aggressive saving and diversified investing are important parts of any financial strategy, a comprehensive wealth preservation plan also incorporates strategies like estate planning, insurance options and other legal tools. These strategies can help insulate your assets from creditors, lawsuits and other risks – ensuring that they can continue to serve you, loved ones or future generations.

Asset protection strategies can be beneficial for anyone, regardless of their financial status or net worth. However, for entrepreneurs, business owners and high-net-worth individuals, they can provide an added layer of defense against unforeseen circumstances or economic volatility.

Establishing the Right Business Entity

The business entity you choose reflects how much protection you have between your personal assets and any liabilities your company may face. It also impacts everything from your taxation, to any registration paperwork requirements and fees you must pay.

While protecting your wealth requires a holistic financial strategy that incorporates risk management, aggressive savings and well-calibrated investing, there are many ways to safeguard the money you’ve worked so hard to earn. Keeping a clear separation between your personal and professional finances, having the right insurance and using tools like an asset protection trust are important starting points.

Creating generational wealth takes time, sacrifice and commitment. Protecting it requires vigilance, but it can help ensure the family legacy you’ve created is carried on for years to come.

Creating a Trust

While trusts may seem like a tool for high-net-worth individuals and families, they can also benefit people with more modest means. Trusts can offer tax advantages, provide a level of control and protect assets from creditors, among other benefits.

Trusts can include a wide variety of assets, from cash and real estate to investments and even business interests. It is important to carefully consider the costs associated with trust creation and upkeep before deciding on this type of wealth-management strategy.

For example, it is generally advisable to keep active financial accounts out of a trust so that they can be conveyed quickly and easily after your death. You can also set up a trust to ensure that beneficiaries receive certain amounts only after meeting specific criteria, such as graduating from college or reaching a specified age.

Maximizing Retirement Accounts

Saving as much as possible during your working years can give you options in retirement. It also gives your investments a chance to grow through compound interest.

Taking advantage of tax-advantaged accounts can help you maximize your savings. These include traditional IRAs, Roth IRAs, and 401(k) plans. These accounts provide a tax break on your contributions and allow them to grow on a tax-free basis until you withdraw them at retirement.

Self-employed individuals can benefit from other types of retirement plans, including the SEP IRA and SIMPLE IRA. These offer higher contribution limits and can be invested in a variety of assets. These plans also typically require less regulation compared to a standard 401(k).

How to Choose the Right Investment Account for Your Goals

Posted: September 5, 2024
Updated: September 2, 2024
http://www.penseyeview.com/?p=181

Investing can help you build wealth, but you need to balance potential gains against the risk. Those with short-term goals or who are saving for retirement should consider safe investments such as savings accounts and FDIC-protected CDs.

Others, particularly those with a high risk tolerance and long time horizon, may want to diversify their portfolios by including higher-risk choices such as stocks. Check out how to invest for more information.

1. Stocks

Stocks, also known as company shares, are a crucial component to many investment portfolios. They represent partial ownership in a company and may pay dividends or experience price appreciation. Different types of stocks have unique characteristics and benefits.

Before investing, it’s important to understand your current financial situation. Assess your budget, emergency savings, and debt to determine how much you can dedicate to investing. Then, set attainable investment goals that align with your short- and long-term needs. Finally, self-assess your risk tolerance to identify how comfortable you are with the ups and downs of the stock market. This can help you determine which type of stocks to buy and which ones to avoid. It’s also a good idea to diversify by investing in both growth and value stocks, as well as domestic and international equities.

2. Bonds

In a bond, you lend your money to a government or company that promises to pay you back plus interest at a set date known as the maturity date. Bonds provide a lower risk alternative to stocks but have less potential for growth. They’re typically held for the long term and are considered one component of a balanced investing portfolio.

The percentage of bonds in your overall investment portfolio depends on your investing goals, risk tolerance and time horizon. Because bonds are less volatile than stocks, they can help reduce the impact of market dips on your overall portfolio. However, they also tend to offer lower returns than stocks over the long term. So it’s important to carefully research each bond before making a purchase.

3. Real estate

Real estate is a common way to diversify an investment portfolio and generate rental income. There are many ways to invest in property, including direct purchase (homeownership, real estate investment trusts or REITs), wholesaling (buying properties with the intention of selling them quickly for profit) and house flipping (adding value to a property then reselling it for a profit).

Becoming a landlord is a labor-intensive strategy that requires finding tenants, handling repairs, negotiating with contractors and dealing with other property management issues. However, many real estate investments don’t require such hands-on involvement, such as mortgage-backed securities or REIT ETFs, which offer a more beginner-friendly way to get exposure to the market. It’s important to understand the risks of investing in real estate, especially since it is an illiquid asset and profits aren’t guaranteed.

4. Peer-to-peer lending

Investing in peer-to-peer lending cuts out the middle man by connecting borrowers and investors directly. Investors can access loan listings and evaluate borrower profiles, rates and risk levels. They can also diversify by choosing loans with different credit ratings and spread their investments across multiple borrowers.

P2P lending can offer a solid return, but it’s important to be aware of the risks. They include the possibility of bad debts, the loss of invested capital in a solvent wind down and legal or tax changes that can affect the returns on your investments.

Also, remember that your real investment returns will vary with inflation. It is often wiser to take lower investment returns in order to beat inflation rather than chasing ever higher investment returns that carry more risk.

5. Money market accounts

Similar to a savings account, money market accounts provide a safe place to park short-term savings and offer competitive interest rates. Typically, your deposits are insured by the Federal Deposit Insurance Corp. at banks or the National Credit Union Administration at credit unions. Many MMAs also come with check-writing privileges and a debit card.

Investing in a money market account may be worth it if you need quick access to your savings, are saving for a down payment on a home or car, or want to supplement retirement funds by contributing outside your 401(k) and individual retirement account (IRA). But before opening one, compare fees and withdrawal restrictions to find the best option.

You should also look for a bank that waives monthly maintenance fees, as these can negate the interest you’re earning. Also, pay attention to minimum deposit and balance requirements to ensure you can qualify for the highest yields.

How to Find a Good Options Tracking Website

Posted: September 2, 2024
Updated: August 29, 2024
http://www.penseyeview.com/?p=176

Track your options trades and analyze your performance. Use simple data points to improve your trading and identify the best opportunities.

Your trade data is protected with 128-bit encryption and a firewall. It is also backed up regularly and access is restricted based on user roles. There are also comprehensive audit trails.

Real-time data

Real-time data is a vital tool for traders, providing accurate and up-to-date information. It allows you to monitor your own positions and analyze market trends. In addition, it can help you find opportunities for new trades and improve your risk management strategies.

The program provides access to historical OPRA options data via a websocket stream. This stream updates every 500ms, or 18 million updates per minute. This stream is more efficient than polling the historical endpoints.

OPRA data includes option quotes and trades as well as implied volatility and delta, gamma, and vega options sensitivities. It also contains the historical underlying symbol price data and all dividend, corporate action, and split/spinoff data.

The information provided on this website does not constitute investment advice. Investors should carefully evaluate the merits and risks of investing in a particular security or trading strategy, including the potential for loss. See the Characteristics and Risks of Standardized Options (ODD). Please read the ODD before making any investments.

Charting tools

If you’re a serious options trader, you need to have access to quality charting tools. In addition to displaying real-time market data, they can help you track and analyze your options trading performance. They can also be used to predict future price movements based on historical data.

Tradervue is an options trading journal that provides users with a range of advanced charts and tools. Its user-friendly interface allows you to customize your chart layouts and view multiple data points simultaneously. It also has a unique feature that allows you to share trades with other users. Its customizable tools and zero-commission trading make it an ideal option for aspiring traders.

The program also offers options flow and option chain data on indices and futures. It can help you identify massive option bets on popular indices like /ES, /6E, and /GC. Additionally, it has features to help you meet international reporting requirements, including 10K/Q filings and proxy disclosures. Check out more at https://medium.com/@steven.nash_50478/https-www-storeboard-com-wingmantracker1-1a23be26006f.

Alerts

A reputable option trade alert service will have a variety of tools to help you analyze a potential trading opportunity. These may include a scanner that looks for unusual trading activity, and a set of pre-built strategies designed to take advantage of this activity. They will also have a track record that proves their trades are profitable (or at least close to it).

These services typically provide several options trading alerts per week. They leverage algorithms and in-house experts, as well as extensive real-time data and analysis. They also have a proven track record, which makes them stand out from the tidal wave of low-grade “trading signals” with no track records at all.

These alerts will be sent via push notifications, text messages, and emails. They will contain detailed information about the trade, including the option contract, strike price, and expiration date. In addition to this, they will provide market analysis and commentary that explains why the trade was recommended.

Paper trading

Many trading platforms offer paper trading as part of their services, and it can be an effective way to learn market strategy without risking real money. It helps beginners understand how market psychology affects trade decisions and outcomes, and it allows them to practice and refine their strategies in a no-pressure environment. It also teaches them how to navigate trading platforms and use their analytical tools.

Moreover, it can help them identify and strengthen their weaknesses. However, paper trading is not foolproof and comes with its own drawbacks. It may lead to a false sense of confidence or overconfidence, which can be costly in the long run.

Paper trading also enables participants to understand the impact of fees and market dynamics on their investment profitability and strategy. It teaches them to examine winning and losing trades in detail, which is an important step in the analytical process. Lastly, it teaches them to understand the importance of emotion control.

What to Expect During Your First Meeting with an Accountant

Posted: August 20, 2024
Updated: August 18, 2024
http://www.penseyeview.com/?p=161

Accounting is at the heart of modern financial markets. Without it, investors would not have the transparency they require and companies’ executives would lack the information needed to make sound business decisions.

Accountants take raw data and form it into clean, readable financial statements. They also calculate taxes owed, prepare tax returns and assess risk. Click on how to choose the best accountant in Poland for more detailed information.

Job description

The job description for accountants needs to be clear and accurate to attract the right candidates. Unnecessarily vague descriptions will confuse applicants and result in costly mis-hires. Highlighting your company culture, leadership development planning and other benefits in the description can help you identify candidates who are a good fit for the role and will perform to their full potential.

The primary responsibilities of an accountant include accounting, auditing, tax preparation, financial forecasting, and risk analysis assessments. They work in a variety of industries and organizations, including government agencies, private companies, and banks.

Accountants must be proficient with accounting software like Zoho Books, Oracle NetSuite and Intuit QuickBooks Online. They also need to be familiar with tax regulations and filing requirements. They must be able to identify and assess areas of non-compliance or risk and communicate their findings to managers. They may be responsible for establishing information systems and reporting on data-driven decisions. They may also be in charge of preparing budgets and financial forecasting, and conducting statutory audits.

Education and Training Requirements

Those looking to become accountants must complete a bachelor’s degree in accounting or business, and may pursue certification as a Certified Public Accountant (CPA). A CPA certifies that an individual has the knowledge to handle the duties of an accounting professional. In addition to a degree, this career requires excellent organizational skills, an attention to detail, and an ability to follow tax and finance regulations.

It is important that aspiring accountants enroll in programs that satisfies New York state standards for accreditation. Courses that are often required include financial reporting, accounting information systems, auditing, and forensic accounting. Students should also be proficient with accounting software and data analysis tools. In addition, gaining experience through internships or entry-level positions is a great way to apply academic knowledge. Other skills an aspiring accountant must possess are the ability to work with numbers, strong analytical skills, and interpersonal communication abilities. The best candidates are well-versed in math and can make complex calculations quickly.

Work Environment

The work environment for an accountant can vary depending on the position and level of experience. Entry-level Accountants typically spend most of their time processing routine financial transactions and learning the fundamentals of accounting practices, while mid-level Accountants often handle more complex tasks with increased independence. More senior Accountants are involved in strategic financial planning and analysis, and may play a significant role in leadership and organizational decision-making.

Generally speaking, the typical Accountant works in a corporate environment with support staff such as financial analysts, bookkeepers, and payroll coordinators. They also often collaborate with management and executives who seek their advice on financial matters.

In some cases, the work environment can be demanding due to high stakes, tight deadlines, and frequent stressful circumstances. For example, research shows that public accounting is associated with greater job stress and turnover intentions (Jones, Norman, Wier 2010). Additionally, it is common for accountants to work long hours during tax season or financial reporting deadlines.

Salary

Accountants are well-compensated compared to other professions with similar education requirements, according to the Bureau of Labor Statistics. However, salaries can vary depending on a number of factors, including geographic location. The salary of an accountant is significantly higher in metropolitan areas with larger populations, and in states with high cost of living.

The salary of an accountant also depends on their job duties. An entry-level staff accountant will make less than a senior auditor, for example. The entry-level position ensures that entries to ledger accounts are accurate and reconciles subsidiary ledger accounts to the general ledger. In addition, they compile financial data to assist more senior accounting professionals in preparing balance sheets and profit and loss statements. In contrast, senior accounting professionals who have cultivated expertise in specific fields, such as tax preparation or forensic accounting, may see significant jumps in their compensation. This is because they have gained specialized knowledge in the field and can use their experience to provide valuable advice to clients.

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With the advent of crypto scams like the notorious Ethereum (ETH) smart contract honeypot, a sophisticated and reliable honeypot checker has become necessary for users to protect their investments. Our cutting-edge honeypot detector provides comprehensive tokenomic risk analysis for ETH, BSC, and most other EVM chains.

A honeypot can take the form of folders or SharePoint sites with sensitive-looking data, fake Active Directory groups that offer privileged access, and Microsoft Teams channels with fake conversations. They allow researchers to observe how hackers attack and identify vulnerabilities.

What is a honeypot?

A honeypot is a decoy system that acts as an entrance into your network and networks, and it attracts malicious actors by mimicking the services they might need to access sensitive data. The more an attacker interacts with the honeypot, the more detailed cybersecurity intelligence can be gathered on their intentions, communication and exploits to help mitigate vulnerabilities.

A honeypot can take the form of a fake server or even a folder or SharePoint site with sensitive-looking files. It can also be a fake Active Directory group that grants privileged access, a Microsoft Teams channel with conversations or an executive email box.

A good honeypot should be easy to hack but not too hard or the attacker will lose interest or realize it is not a real production system. Varonis can set up custom real-time alerts for any activity on a honeypot, giving your Incident Response team a heads up and the ability to investigate whether it is innocuous or concerning so they can act accordingly.

What is a honeynet?

A honeynet is a network of instrumented decoy systems to lure cybercriminals. This enables organizations to monitor and study attacks without affecting their production infrastructure.

A typical honeynet consists of one or more decoy systems, designed to mimic vulnerable apps, APIs, and services. This entices attackers to target them, which gives cybersecurity professionals insights into attack patterns and new malware variants.

A decoy system could be as simple as a folder or SharePoint site that contains sensitive-looking data, or something as elaborate as a fake Active Directory group with “privileged access” and an executive email box. These traps will record an attacker’s attempts to breach the system, such as GET requests, file reads, processes executed and log pattern recognition. Honeypots can also be based on applications, such as a fake database that resembles real data to lure threat actors and observe their behavior. This helps organizations better understand attacker methods and motivations to improve their security protocols.

How do I set up a honeypot?

Creating a honeypot involves setting up and testing a virtual machine with realistic-looking data. This includes a variety of web applications with different vulnerabilities. It’s also important to choose a location for the honeypot to minimize risk.

Ideally, the honeypot should be placed inside a secure network that’s isolated from the rest of the environment. This helps ensure that attackers can’t use the honeypot to access real data and avoid detection.

It’s also important to consider privacy and legal issues when setting up a honeypot. For example, if sensitive information is found in the honeypot, it can expose the organization to security and privacy-related lawsuits. It’s best to have someone in-house who is familiar with the legal implications of using honeypots or to work with a third-party provider who is experienced in this area. Regardless of how you set up a honeypot, it’s crucial to monitor it closely and review the results regularly. This will help you detect attacks quickly and respond before they have a chance to spread into your network.

How do I use a honeypot?

Because honeypots mimic real systems, they are a tempting target for cyber criminals. As attackers attempt to break into the system, IT teams can observe their progress and gather valuable intelligence on attacks.

A honeypot can also be populated with decoy data, such as credit card information, to lure attackers in. Then, as the attackers break into the system, IT teams can take note of their methods and identify vulnerabilities that can be closed. Find out more about honeypot checker now!

There are two main types of honeypots: research and production. Production honeypots focus on identifying attacks and fooling the attacker, while research honeypots gather information about how threats act in your environment and the wider world. This can inform preventative defenses and patch priority.

The more time an attacker spends attacking the fake threat in a honeypot, the less time they have available to attack live systems and cause real damage to your business. To learn how StrongDM’s secure infrastructure access platform can help protect your organization against these threats, contact us today.