Irwin Consulting Management in Singapore and Tokyo, Japan

Millions of Brits overspend at Christmas, leaving them in financial difficulty come the New Year. In fact, a whopping 7.9 million people in the UK will struggle to pay their bills this month after an excessive festive period, according to the debt charity Money Advice Trust (MAT). Severe debt isn’t just a financial problem either. The stress of owing money can lead to mental health issues and relationship breakdowns, according to charity Mind. If your new year’s resolution is to be better with money in 2018, Money Saving Expert Martin Lewis can help you alleviate your debt. The 45-year-old has already revealed the best bank accounts for interest rates on savings, but in his most recent Money Tips newsletter he revealed some key tips for cutting the cost of debt this year. Here are five simple steps to help you pay off your debt quicker: 1. Stop borrowing money It can be easy to get into a downward spiral with debt, but you need to stop borrowing money. Only pay bac...

One in three American adults has nothing saved for retirement — here's how to change that. Would you rather have one marshmallow now — or two marshmallows later? It's an iconic scenario made famous by psychologist Walter Mischel, the administrator of the 1960s "marshmallow test" measuring self-control and instant gratification. Most people go for the here and now. Swap out marshmallows with money, and you've got an all-too-common problem for the modern-day: People everywhere feel behind on saving for retirement. In fact, one in three American adults has nothing at all socked away, according to a survey by GOBankingRates. If that hits close to home, never fear. We've laid out some of the biggest obstacles we put in our own way when it comes to retirement saving — plus, how to get past them. Obstacle: Being too optimistic about the future  Why we do it: It's an ego thing. We tend to think we're different; we're special and that noth...

Many of us enter January financially stretched. Lots of people overspend at Christmas and those paid monthly have to wait five weeks to be paid. Here are some tips for tackling your finances in 2018: 1. Draw up a monthly budget. You need to include all your income and expenses, and try your best to stick to it. If you can manage to put some money into savings each month, then that's even better. 2. If you have long-standing credit card debt that you are finding hard to shift, think about switching to a card with a 0pc balance transfer offer, making sure to pay the balance off within the interest-free period. It is little use having a savings account if you are also paying off credit card debt at a rate of 22pc. 3. Ensure you are not paying more than you need to for your household essentials. If you have not switched your energy, broadband or phone plan in some time, make it one of your new year's resolutions to do this. You will be amazed at the s...

Whenever things are going really well — as is the case right now on Wall Street and probably in your retirement portfolio — it's only natural to want to leave things be. Why try to fix what's not broken? But even the most patient buy-and-hold investors understand that you must revisit your strategy from time to time to make sure things are unfolding as you originally envisioned. The end of the year, when your thoughts are naturally focused on family, the coming year, and to-do lists, is a perfect time to do just that. To make this process easier, MONEY has put together a checklist of seven important steps to take now before the year ends to set your investment portfolio up for 2018 and beyond. 1. Remember to give yourself a raise. Chances are, you got a slight bump in pay this year—perhaps a modest cost-of-living adjustment or a merit raise. Average pay for American workers rose a little over 2% over the past 12 months. If you can, boost your 401(k) savings ra...

Retirement security is a holy grail that many investors chase. A recent AARP survey revealed that 74 percent of private sector workers are anxious about having enough money to live comfortably in retirement. Although increasing savings may seem like the answer, creating a sustainable retirement strategy is a bit more complex. Investors must also plan for costs that can detract from their portfolio's growth. "Taxes, long-term care and inflation all have the potential to eat away at your retirement savings," says Marcy Keckler, vice president of financial advice strategy at Ameriprise Financial in the greater Minneapolis-St. Paul area. "Not planning properly could result in a substantial blow to your portfolio from a sudden need for extended care, or inflation could slowly chip away at your nest egg." Health care may be the biggest threat. Long-term care poses two problems for retirees. First, the cost can be staggering. Genworth Financial puts the avera...

A friend recently asked if I would invest $10,000 for him. I shrugged it off but he proceeded to tell me that he needed to make a quick buck to pay for some medical expenses he was about to incur... Many people view the stock market as a "get rich quick scheme" -- you just need to know how to play the game. This wasn't the first time I've been asked by someone to invest their money to make some fast cash. I know it won't be the last, either. In these sorts of situations, I try to tamper their expectations by letting them know that it's really not that simple (or easy). I tell them that even if I were to generate a "quick" 10% annual return on their investment, it doesn't really add up to much in the short term. After all, a 10% return on $10,000 is only $1,000... And that's over the course of 12 months. It's most definitely not going to be enough to cover any major medical bills. Unfortunately, stories like this are c...

To make your retirement years truly golden, understand what may be coming your way . Many of us look forward to retirement as the reward for a lifetime of hard work. While the post-work years can truly be golden for those who plan for them, many retirees are caught off guard by the facts of their new life. Here are six things you should know about before you leave the working world for good. 1. Required minimum distributions can seriously raise your costs Once you reach age 70 1/2, you're typically required to take money out of your traditional IRA and your traditional 401(k) plan each year. While those distributions start relatively small, they increase as a percentage of your account balance each year after that until you reach age 115.  Withdrawals from these account types are treated as taxable income, which means you'll owe income tax on the amount distributed. This increase in your taxable income may expose your Social Security benefits to taxation as...

“Happiness,” it’s been said, “is like a butterfly. The more you chase it, the more it will evade you.” In other words, by actively pursuing a happy state, you reduce your chances of achieving it. That may be true from a philosophical standpoint, but when it comes to retirement planning, new research suggests there may in fact be specific steps you can take to enjoy a more rewarding post-career life. Researchers from The American College, Eastern New Mexico University, and Texas Tech looked at financial, lifestyle and other data on 1,526 retirees to see what makes for a more satisfying retirement. When it comes to having a more enjoyable retirement, the experiences of older Americans shows that there are three main ways you may be able to tilt the odds in your favor. 1. Spend more money on having fun. When the researchers examined how retirees spend their money — on everything from cars and housing-related items to food and insurance — they found that spending i...

“Working with Clients to Maximize” We Work for our Partner’s Benefit 1. Irwin Consulting provides an assorted and coordinated portfolio of creative, client-centered brokerage products and services by building upon Global's powerful regional presence, as well as its market-pioneering and value-enhanced research expertise. Irwin Consulting can deliver to its clients the proper tools and know-how they need to reach their financial goals. 2. Irwin Consulting encompasses the primary asset markets spanning many countries worldwide. Irwin Consulting delivers a wide-ranging service package, with an unrelenting commitment to provide first-class client service. We aim to assist clients attain their financial goals through our award-winning investigation and disciplined professional advices on listed and non-listed securities.

“Expert Advice on Complex Securities Issues” Asset Management & Planning The asset management know-how of Irwin Consulting has been developed over many years. Our financial methods combine convention and creativity. Refined strategies with a long-term perspective and a traditional slant focus on stability and order. Most of all, we aim to satisfy the needs of our clients. Our approach is definitely unlike most asset management companies, who seem to use rather sluggish “portfolio theory” asset diversification methods mixed with fairly dynamic stock-picking strategies founded on “bottom-up” elementary investigation and/or technical study. Our clients, we believe, deserve a better deal by providing them with an overall, holistic method intended to keep them completely invested in a semi-passive, finely-assorted portfolio of ETFs, taking protective steps to safeguard asset only during comparatively rare times of major downside fluctuations (bear markets). Irwi...

Irwin Consulting advisors provides one of the largest assortments of fund groups in the industry, and your Financial Advisor has the facilities to assist you select the proper fund or basket of funds to satisfy your special needs. Coordinate well with your Investment Counselor to design a mutual fund portfolio that satisfies your particular condition. Solution A. Planning Tools Customized internal tools to assist you enhance your portfolios. B. Strategy and Planning Irwin Consulting will design a strategy to improve a portfolio’s potential to achieve a client's goals. C. Market Analytics Irwin Consulting consistently undertakes market studies to enhance your positions.

Investing in Stocks to help you achieve your Financial Objectives In terms of stock investing, understanding your financial objective is critical. That, together with your investment time targets and your risk capacity when investing in stocks, will aid you in determining how your stock investments should perform with the rest of your financial portfolio. When to consider Investing in Stocks Stock investing can enhance your financial portfolio by allowing you to attain growth, profit from dividends or achieve both. Nevertheless, the worth of any stock you buy in can vary, and when you sell your stock, may be more or less than what you paid at the start. When choosing stocks to buy in, you should cautiously reflect on the risks of investing in stock and design an assorted asset allocation strategy that suits your objectives, investment time target and risk capacity. Diversifying your Stocks Having a varied stock portfolio helps to offset the risk your investme...

The Popularity of Mutual Funds Mutual funds are common investments because they provide a cost-effective and effective means to vary your investments (or possess an assortment of securities -- stocks, bonds, etc.) without having to make a huge starting investment. Basics about Investing in Mutual Funds Buying shares of a mutual fund allows you to pool your money with other investors and letting the mutual fund (which is essentially a professional capital management firm) invest and administer the money to aid in achieving the fund's targeted financial objective (e.g., income, growth, or a mixture of both). This allows you to fast-track the setting up of a multi-faceted portfolio with as little investment as possible. When to consider Investing in Mutual Funds Since they are efficiently administered by experts and because they provide variety with essentially low starting cash input, mutual funds can be a viable option for the majority of investors. Many in...

Investing in Future & Commodities Futures and commodities investments provide investors with more intricate financial requirements a means to hopefully gain from both the upward and downward movement of commodity and financial markets. Basics of Futures & Commodities Investing Futures and commodities speculators can benefit from greatly leveraged exposures in both financial and non-financial markets (commodities such as energies, meats, metals and grains). Hence, they can buy futures contracts by depositing even a little portion of the total contract price. Their aim is to gain from movements in the value of the futures contract. Hedgers, those who hold a particular commodity (asset) or have a definite investment (such as energy cost), frequently choose a position opposite of the cash market to help lessen the risk of falling or rising commodity prices. Risk of Investing in Futures & Commodities Since futures and commodities markets can be extre...

Financial Consulting and Research in all areas of Investing The growing intricacy of the present market makes dealing with an experienced, capable investment advisor more essential than ever. From securities and financial banking services to real estate investments, oil and gas products, mutual funds, insurance and college savings plans, our wide-ranging variety of investment services and extensive access to investment markets are intended to assist you achieve your investing objectives. Through innovative technology, access to impartial third-party research and non-proprietary financial products, your advisor will develop a special investment package suited to your short-term and long-term investment objectives. Because our representatives are autonomous, there are no favored products to sell, allowing them freedom to look for services and products that genuinely supply your needs. The stock market provides a means for entrepreneurs to obtain capital for their busin...

Benefits of Irwin Consulting Irwin Consulting ’s long-term accomplishment is founded on our custom-fitted set of solutions for every particular client. The solution to each financial challenge is the product of a sound, well-ordered process. Brokerage The asset management capability of Irwin Consulting has been developed over many years. Our financial approaches combine convention and creativity. Refined methods with a long-term perspective and a traditional color focus on stability and control. Most of all, we aim to deliver the requirements of our clients. What do we provide 1. Reasonable and dependable indication of markets, securities and other investments. We stand firmly on the platform of reliability & market awareness. 2. Advanced Investment Opportunities. We chart our investments through meticulous planning, market scrutiny and investment indicators.

“Customize Solution to Financial Problems” Professional Expert Advisors Irwin Consulting is an autonomous brokerage and investment banking company that offers an assortment of financial services and products. Consultative and investment strategizing services are also offered. Whether you are investing for your retirement, saving up for your child's education or looking for other financial opportunities, our workers will furnish the information, insight and capability you need to attain your objectives. Numerous investors depend on the know-how, skills and reliability of Irwin Consulting. Discover what being number one feels like; at Irwin Consulting our top priority is you. After more than ten years since the founding of Irwin Consulting , so much has improved. Our firm has transformed from being a conventional brokerage company to a complete-service financial banking, consultancy services and brokerage company. We maintain our vision to instill our family-first va...