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What is wealth and asset management?

Wealth and asset management are essential services provided by financial institutions, private banks and asset management firms that focus on helping clients protect, grow and maximise their wealth and assets.

These terms, often used interchangeably, have distinct meanings and functions within the financial and investment sectors.

The distinction between wealth and asset management

Wealth management refers to a high-level professional service that combines financial and investment advice, tax planning and services, retirement planning and legal or estate planning for one set fee. Wealth managers are financial advisors or investment advisor representatives who work with individuals to manage their wealth holistically.

Asset management, in contrast, is a sector of the financial services industry that manages investments on behalf of individuals or institutions.

Asset managers invest in different asset classes such as equities, bonds, property or private equity houses to create a balanced portfolio.

They focus on developing an investment portfolio that aligns with the investor's goals, risk tolerance and time horizon.

The importance of personalised wealth and asset management

Each individual or institution has unique financial goals, risk tolerances and investment horizons. Therefore a onesize-fits-all approach to wealth and asset management is not effective.

Personalised wealth and asset management services consider these unique factors and tailor investment strategies accordingly.

A good wealth manager or asset manager will take the time to understand your financial situation, goals, interests and risk tolerance.​

They will then devise a personalised investment strategy that aligns with these factors. This personalised approach can help you achieve your financial goals more effectively.

WEALTH MANAGEMENT FAQS

What services are typically included in wealth management?

Wealth management typically includes a range of services such as financial planning, investment management, tax planning, estate planning, risk management and retirement planning. The objective is to offer a holistic approach to managing an individual's or family's wealth.

Is wealth management only for high-net-worth individuals?

While wealth management is often associated with high-net-worth individuals, it can also be beneficial for those with lower levels of wealth.

Many wealth management firms offer services tailored to individuals at different stages of wealth accumulation.

What are the benefits of asset management?

Asset management can help you maximise the returns on your investments while balancing risk. It can provide you with access to a wide range of investment options that you might not have access to as an individual investor.

Moreover, asset managers have the expertise and resources to analyse market trends and make informed investment decisions.

Stability and opportunities for growth

Whether your wealth is newly achieved or the product of decades of work, wealth and asset management can greatly benefit your financial health.

By entrusting your wealth and assets to experienced wealth managers or asset managers, you not only protect your wealth but also create opportunities for growth and stability.
At Maritime Capital, we strive to be a wealth management leader, providing our clients with the highest quality of service and advice.

Our experienced family-run team is dedicated to helping you navigate the complex world of wealth and asset management, so you can achieve your financial goals and secure your future.

We are always available to provide further guidance on wealth management. Please reach out to us for any additional information or assistance you may need.

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