Like eating a healthy diet, maintaining a well-planned budget is generally more of a wish rather than a reality.

This is because planning and keeping to a strict budget entails a lot of work -- so does counting calories and hunting for and preparing organic and nutritious food. Balancing your checkbook monthly is already a tedious process; consider how much more time you will need to evaluate every purchase you make.

Electronic banking and computer apps can help ease up the task. Whereas before you would need to check every receipt and expense made, now, software programs such as Quicken and tracking websites like can make the work much easier with your computer.

With an Internet connection, you can access your bank account and credit card transactions and download them to your computer. Depending on the services provided, such information may even include type of expense for certain items. Using the data, you can derive a general perspective of your financial situation where you are and what you need to do to improve your lot.

Remember, these applications are only as good as the data they receive and process. Not many individuals have such simple finances as that of using only a credit or debit card for all their purchases. Usually, the small cash purchases you often overlook pile up to a substantial amount that impacts on your finances. Since those cash expenses do not appear on any bank or credit card statement, your budget app will not churn up accurate statements -- unless you input such information yourself.

A solid comprehension of your income and expenses is vital in building a personal financial budget; hence, try to input as much detailed information as you can. Nevertheless, if you find that task above your skills, try these guidelines to help you obtain financial self-awareness.

All-cash Mode

The easiest strategy to budget is to go on all-cash mode in all your financial transactions. There are several ways to do this. First, cash your salary checks and then use the cash on hand for expenses – although having so much cash with you may not be a safe way to do it. Second, you can deposit your checks and take out a certain amount of cash you will need for a few days or a week each time. This is a safer way.

But you cannot avoid using alternative means of transaction other than by cash. Banks, for instance, may demand customers to pay mortgages by automatic withdrawal from a bank account. Utilities and other firms that bill on a regular basis have required clients to transfer to automatic billing as it saves time and expense for all parties concerned. If you cannot avoid those, transferring most of your transactions to cash will help provide you with a better picture of your financial health or un-health.

After every month, check how much cash you have on hand, if any at all. This will give you an idea if your expenses are within your income. While this may not tell you specific information on where exactly your money flows to, it helps you appreciate how you can manage the small cash expenses which are often bypassed by most tracking programs.

Use the envelope method

This is similar to the cash method, although it requires a little more planning. As in the cash method, encash your paycheck; but categorize the cash into several items. For example, if you receive $4,000 monthly, you can put $1,000 in an envelope for your mortgage payment, $300 for gasoline, $350 for dine-out food, $450 for groceries, $500 for utilities, etc. Divide your cash into as many types of payments as you can afford to monitor.

This approach allows you to gain greater awareness of how you dispense with your money. For instance, if your grocery envelope still has cash at the end of the month but your dine-out envelope empties out sooner, it tells you where you spend more time eating out rather than at home. Likewise, based on the number of envelopes you have, this method can easily show you the weak areas in your finances you need to strengthen.

The hybrid method

These various schemes can be effectively utilized even if you do not use an application in your PC. Nevertheless, with an app, they can help fill up the gap which such software programs usually miss out.

For instance, your app may tell you that you earn an average of $700 monthly beyond what you are spending on tracked categories. However, a quick check tells you your checking account has not increased the same amount every month. Most possibly, the difference comes from the cash expenses that are not inputted into the app. Using either the cash or envelope method for that $700 will reveal a clear picture of where that surplus is flowing into, providing a more comprehensive perspective of your total expenses.

Indeed, budgeting requires quite an investment in terms of time and effort. But imagine the huge benefits you will derive from the savings on cost and decrease or removal of unwanted expenses. A solid budget plan can help you raise some money you already have toward making some savings or investments, not to mention the cash you will have for emergency purposes. Such easy-to-do steps will help even the most time-strapped individuals determine their financial situation

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Some things you can easily neglect or forget without causing any harm, such as what the last two answers are in the crossword puzzle today; but you cannot do that to a debt. Debt stays like a recurring nightmare in the night, haunting us and chasing us like Mr. Anderson in a Matrix world, charging compounded annual rates of 20% or more of monthly interests. We are stuck in that world’s system – with no escape in sight. But there is a way out of debt, using our free debt-crushing strategies -- and with the help of some of your rich friends and wealthy relatives (see tip No. 5). The nine ways to escape this enslaving system follow:

1. Exceed your monthly dues

The first step toward freedom from debt is to pay above the demanded minimum monthly payment. Do not extend your burden of paying the usual 2% to 3% of the outstanding balance for the required payment term. Moreover, banks would enjoy such subservience, even wishing you would pay for longer terms to increase their profits. Tell yourself now that it is time your own happiness is your priority, not the banks.

The strategy is to pay as much as you can afford regularly for every month. For instance, if your minimum amortization is $200, make it $150 or 200 even more. Try to look into your daily or monthly expenses to see where you can get the extra money. (To find some tips on how to do this, read our Living Below Your Means discussion forum.) For example, minimize or eliminate dining out and cook at home. Desserts are things we can do without, if you think about it. Happy hours would not be so happy if you think you have a debt to pay off. "Luxuries", in short, are things you can do without and are rich sources of hard cash.

The operative word (as in, you need to get it out of your system through some form of mental surgery) is “sacrifice”. Then, you will find a way to drastically up your debt amortizations. It is the best way to save valuable money that would go into paying interests. Moreover, you will have a faster way of escaping your “debtly” situation. There is no joy in that kind financial crisis, having to live in constant penury and fear.

2. Snowball your debt payments

If you have credit cards, think seriously of how you can win some more points. Which one gives the lowest rate of interest? If you have not gone beyond the highest amount allowed on that card, try moving your higher-interest bill to it. This is allowable in most cases. Why pay 18% if you can pay only 12%?

In case your total credit balance does not fit on your low-interest card, pay at least the minimum amounts required for all cards except for one. You can then transfer most of your debt repayments into that one credit card, and do it as fast as you can. Once the balance on that card is zero, transfer the next by applying the same rapid repayment scheme.

This is what “snowballing” means – one small step at a time until you accomplish more. While the debt is decreasing, the money you will need to undo your debt will increase. The money you use to pay off “snowballs” until your debt disappears. You see how easy it is?

One alternative means of moving higher-interest debt to a lower-interest card involves the use of promotional offers from banks which provide credit card facilities. Note such ads offering to "Transfer all your credit card balances” to them at only “5.9%" for a period of a year. Why not? 5.9% is far beneficial to you than 18% interest. It would be unwise not save all that money in interest which could be funneled to reduce the principal every month, effectively decreasing the outstanding debt balance even more.

But think before you bite into any offer. Check properly the details for any possible catches. For instance, find out whether the interest rate will remain at the offered rate after the introductory period expires or revert to what you pay now. This would mean changing again and other possible surprises along the way. Banks have become wary of credit card holders who jump from one card to another to avail of the low introductory interest rates. Many such offers now stipulate that once you move outstanding debts from the new card within a year, the regular interest rate will revert retroactively to all outstanding balances. That stipulation might come as a big burden to bear for cash-strapped individuals, giving no relief whatsoever. The fine print tells it all – if you can read patiently.

3. Withdraw your savings account

You can decide to withdraw your savings and investments and slowly pay off your debt using the proceeds. It might appear unwise; yet, sometimes one has to play the fool to survive. Even at 12% rate, your investments would need to bring in above 18% before paying all taxes to match the dollars flowing out. Besides, the money in your savings account will not earn you close to that rate of interest. Terminating the debt this way, amounts to achieving that 18% gain, minus any risks involved otherwise. The greater the interest rate you pay, the more desirable repayment becomes against any existing investment.

4. Take out a loan using your life insurance policy

Does your life insurance policy provide a cash value? Then, make us of it by borrowing your own money. The interest rate is usually way below commercial rates; and you can have longer terms to repay the loan. Be sure you pay it faithfully. In case you die prior to repaying the debt, the remaining loan balance and interest will be taken from policy’s face value due to the beneficiary. Indeed it is a small burden to carry now to try to remove a debt than allowing your loved ones to carry the burden, if you leave them permanently before paying it back.

5. Persuade family and friends for help

There must be a relative or friend who trusts you and cares enough to reach out to you with a helping hand. If so, you stand to get a loan at a bargain rate with less pressure on the payment schedule. In order to keep your relationship intact, frame up a formal agreement on paper to clarify expectations on either side as to interest and repayment scheme. This will do away with any hurt feelings or doubts in the future. And try to stick to the agreement if you want to remain welcome at family, office or school events.

6. Acquire a home equity loan

If you have a home whose equity has piled up over the years of paying the mortgage, why not get a home equity loan (HEL) credit facility at the highest allowable amount?

There are two ways that a HEL can help you save: first, applying the loan amount to your debt repayment, which allows you to exchange an 18% loan, for example, for a 6%-7% loan; second, itemizing deductions when you file your income tax credits HEL interest as a deductible item in most instances. A 25% marginal tax bracket will provide the 6% loan an effective rate of 4.5%, which is probably the best deal you can get on a personal debt.

Avoid, however, the common pitfall of getting an HEL, paying out your current debt and then ringing up credit card charges once again. That will give you two birds to shoot at with a single bullet, since you cannot afford another bullet to solve both challenges. Avail of HEL to erase your credit card debts, and then pay off HEL as well. Makes you appreciate your dire situation and the meaning of the saying, “There’s HEL to pay!”

7. Avail of a loan through your 401(k)

If you have a 401(k) retirement plan, yours may have a facility for loans up to 50% of your account's value, or $50,000, whichever is smaller. Usually, the rates are one or two points above prime, making them lower what credit cards charge. This makes 401(k) plan loans a way to pay off your debts. The best thing about this scheme is not just the lower interest but that you pay it back to your account as each dime paid on interest goes straight to the borrower's 401(k) account and not the lender's.

The downside on this plan includes the following: first, you repay the loan and interest with after-tax dollars, and the interest will be subject to tax again when you finally withdraw money from the 401(k) in the future. Moreover, the loan repayment period is five years. Leaving your work before repaying the whole loan will, therefore, require you to immediately pay off the loan. If not, that amount will be considered as a distribution to you and subject to tax at regular rates. And in case if you are below 59 and one-half years old, an additional 10% excise tax will be charged as penalty for cashing out your retirement funds early. Hence, make certain your 401(k) loan can be fully paid prior to leaving your job.

8. Restructure your loans

Are you at your rope’s end? No savings left. Friends and relatives cannot be of help. You do not own a home or a 401(k) account to loan against. In short, you are wiped out and you consider filing for bankruptcy. Wait! Hope always shines in the darkest places. Ironically, the prospects of bankruptcy can be of use to you.

If your creditors become aware of your situation and that you cannot renegotiate, your only recourse is to declare bankruptcy. You may seek a lower repayment term; ask for a lower interest rate; and satisfy their demand for payment. Creditors, more often than not, will choose to receive any deal where they get to recover some of their investment rather than nothing at all.

The transaction table is always open to a reasonable compromise where everyone wins and no one loses anything. It is worth a try and in time you will realize such recourses do work for the best. There are even organizations which will do it for you, in case you are not sure what you need to do.

9. Final option: Declare bankruptcy

If it comes down to the last option you have left, file for bankruptcy. As much as we all want to pay our debts, sometimes repaying is not at all possible. But be aware of the consequences.

For ten years, you will have a credit record with this bankruptcy information, making it hard for you to acquire a loan for that long. Furthermore, it is ironic that filing for bankruptcy requires a lot of money. Hundreds of dollars of lawyer fees and court filing expenses have to be met to get the relief you seek. With tougher bankruptcy laws in the offing as well, you might end up not obtaining any relief at all.

Two kinds of personal bankruptcy relief are available: Chapter 7 and Chapter 13. Chapter 7, called straight bankruptcy, provides almost total relief from debts, not including such items as alimony, taxes, child support, loans acquired through filing false financial records, loans not included in the bankruptcy petition, student loans and legal decisions against the petitioner.

Although Chapter 7 frees you of the duty of paying back most creditors, you may need to give up a big part of your property to partially pay off the debt. Nevertheless, some states have different laws providing exemptions on particular types of property, for instance, a specific amount of home equity, an old or low-value vehicle, minimal worth of jewelry and other personal belongings, and tools used in the pursuit of one’s business or occupation. Although such exemptions are quite small, no one will need to start over from zero.

Chapter 13, also referred to as the "wage-earner plan," is quite different. You can hold on to your property but give up all financial control to the bankruptcy court. The court recommends a repayment scheme based on your financial capability for paying off all or part of your debt for period of 3 to 5 years, during which creditors cannot harass you for any payment. You are also free of any interest charges on your debts during that period. Once the requirements of the court-approved scheme have been satisfied, you come out debt-free from the bankruptcy.

This article is based on a David Braze article with a few revisions.



Are you a young adult who’s currently broke and have negative thoughts haunting you? Don’t worry; you’re not alone in that battle. Many people experienced being poor in their 20s; but according to them, there’s fun hidden in that misery. Just let positivity flow in your veins. Let’s put it this way: At 21, there’s a higher possibility that your friends are also poor, right? Why not invite them to go to free places like your dorms or the beach with a case of beer? It’ll be more fun (and affordable) than staying in your room and hating the world for not having enough money.

A lot of people could definitely relate in the above scenario; and you can be one of them. Your life after graduating college may not be about rainbows-after-the-rain and endless possibilities; it can be about living paycheck-to-paycheck, dreadful student loans, and no decent-paying job in sight. When you find a career where you’re making decent money, you can be one of the people who feel like they’re seeing none of it.

Financial literacy has nothing to do with finding a job or a college degree. When it comes to people dealing with money, you’ve probably seen two kinds: people who make less than you do but were able to put away more, and people who make much more than you do but still have nothing at the end of the day.

You never want to work the next years of your life with nothing to show for it, right? So start going out of your comfort zone and learn aggressively; and begin investing moderately. Your 30-year-old self will thank you if you start taking actions now for the benefit of your future. Oakmere Advisors based in Singapore and Tokyo is going to share some pointers with you, so you better read it and start imagining what your future will look like.

Point 1: You should invest

You want your future to be in your hands, right? That’s why you need to invest. Perhaps, you envy the generation of your parents or grandparents wherein a person can retire and live off his pension by having only one or two jobs in his lifetime. But now, everything has changed. It’s not enough to simply save money. In this generation, you’ll probably hop around jobs at least six times in your lifetime, which means your retirement is in your own hands.

Point 2: Before investing, be determined to learn more

In particular, you should learn aggressively and invest moderately. Learning about your options and the details will help you when you’re prepared to put your dollar in since a lot of people in their 20s get started with hardly any assets. Dealing with taxes is the most crucial area that affects every investment no matter what you choose to invest in. Never avoid it; but instead, accept it and learn, because it’ll be the difference between gaining the rewards of your investments and watching your hard work gone in seconds.

Point 3: There are different forms in investing

Just to be clear, this is not related to the distinction between commodities, currencies, stocks, and real estate.

Taking actions such as saving money, paying down debt, and reducing your spending can all lead to a better life. You should create a thorough plan to put yourself in the best position when the right investment comes. Before making an investment in your future, make sure that the foundation is set.

Point 4: It’s better to put ego aside in investing

The following is based on a recent research found by Oakmere Advisors, which tells the difference between men and women in investing and how it affects their success.

There’s a great possibility of people overestimating their own skills and predictions for success. Men are more overconfident than women, making women more rational investors. You know what drive investors to trade? Research says they’re ego, emotion, and greed. And you’ll highly destroy value the more you trade. Men often believe that returns are more highly predictable and rely less on their brokers. They also expect higher possible returns than women. Many financial advisors say it’s generally simpler to influence a man, to play in his insecurity, ego, and overconfidence. What is the most profitable strategy? Be rational and don’t let your ego run into you. Rational investors are likely to increase their expected utility by only trading and only purchasing information while overconfident investors lower their expected utility by trading too much and they hold unlikely beliefs about how high their returns will be and how exactly these can be estimated. In addition, they expend too many resources on investment information.

Point 5: Focus on your actions

Some things are needed to be done before putting your money into an investment vehicle, such as increasing your income, managing your income and debt, saving money, and reducing spending habits. Make sure you’re focusing your efforts in the right places. Everything means nothing if you’re paying a much greater percent interest rate on your credit card than the percent you make each year on a stock.

Point 6: Put different ideas into place

You shouldn’t only rely on your experience when it comes to investing. You should also consider talking and learning from other people’s experiences. You need to choose experiences from different people and see how they work for you. Adapt those experiences into you and your situation. Be open to trying different things.

Point 7: Before putting any money in, have a plan

The most important part in investing is planning. It’s probably easy to make one good investment; however, it requires planning to turn that good investment into another, and another, and another. If you’re not ready for the word “retirement”, begin with small steps, like buying a cheap home or having a few thousand dollars in your savings account. Then proceed to bigger goals.

Point 8: Don’t over-complicate investing

Use your daily behaviors to reduce all the complicated terms and numbers to its simple essentials. If you’re used to buying a $5 coffee in the morning, then you should be prepared to leave that habit. Save that $5 a day and it will surely add up. Try it for a month and you’ll have a hundred dollar or more in your pocket.

Point 9: Timing can beat location every time

“Location is everything” according to an old saying about real estate. It can be partly true; but oftentimes, timing is more important than anything. All forms of investing should have the right timing. Putting money in a fantastic property or stock at the wrong time in the market could be all for nothing. You should put money in an average property or stock at the right time.

Point 10: Don’t risk it all

There’ll be many people who will surely disagree with this point; but as a person in your 20s, you’re too young to lose everything. Oakmere Advisors wants to share an interesting thought of a certain individual who compared investing with baseball. He said that you don’t need to hit home runs to win. Some people will sit there and swing for the fences each time they’re at bat. It’s possible that they’ll get lucky and hit a homer; but they’ll also strike out a lot. All you have to do are a few solid plays and before you know it, you’ve scored a couple of runs and won the game.



A friend recently said that she got an old laptop from her son in order to go into stock investing. So, she is not only beginning to learn how to use a laptop, as well as a tablet, but also how to invest in stocks. At way past, 65 years, it is never too late.

Investing in stocks overtakes other instruments, such as treasury bills, cash or gold in the long run. Within a short period, however, other assets may outperform stocks, but, in general, stocks have outperformed other instruments hands down.

How do you invest in stocks? There are several ways: individual stock s, index funds, mutual funds, ETFs, domestic, foreign. Which should one choose? Here, as a beginner-investor, you will gain insight into how you can make your money grow through stock investing. But before we start, kindly answer this first question.

Ask this important question

Which are you: a risk-taker, risk-hater or in between? Do you grab at any chance to make a big gain or do you take time to make a sure profit? Is a 10% drop in a single stock in a day or a 30% drop over a couple of weeks enough reason to unload in a hurry?

Answering this vital question might determine whether you enjoy taking risks or would rather avoid it. If the latter applies, you might have a better time dealing with mutual funds or index funds since they are well diversified and contain many different stocks which have reduced risks and require no research into an individual stock.

Do you have the time and aptitude to invest?

Depending on how much time you have, you may choose between investing in funds or stocks.

The choice depends on the time you want to spend on this endeavor. Proper selection of mutual or index funds will allow you to invest money and letting the fund manager do the difficult job of selecting stocks for you. Even simpler are index funds since they vary depending on the class of industry, firm or market they are meant to monitor.

Investing in individual stocks, on the other hand, consumes a lot of your time since it involves making evaluations about management, incomes and potential growth. You now endeavor, as an investor, to make a distinction between revenue-making stocks and financial failure. Educate yourself about what they can do financially, how they can create wealth for you, the potential risks, prospects for your future and many others.

Hence, determine your comfortable extent of involvement in terms of time for this venture. Will you devote two or more hours a week evaluating various firms, or are you already too busy to put in the time? Like any other skill, investing in individual stocks requires ample time to nurture.

A single basket of eggs

Preferably, do not limit yourself to just one asset. As an example, do not invest only in small biotech firms. Although the prospects of gaining can be bright, certain actions -- particularly by the Food and Drug Administration rejecting many applications for new drugs – can affect your investments; if not totally wipe them out.

Diversifying over a wide choice of various sectors, for instance, real estate (a real estate investment trust is a good prospect), insurance, consumer goods, commodities, etc., instead of only a few of these candidates will favor your potential success. Think of choosing several asset types along with putting some money in cash and bonds, as opposed to investing fully in stocks. Decide how you want to spread your investment across these sectors and classes as long as you do it as broadly as possible to minimize losing everything all at once.

A Beginner’s Portfolio

As a beginner, consider investing a big bulk of your money in two or more index funds, those which track the broad market (such as the S&P 500) and another one which provides some global exposure. Also add one that tracks small companies (such as the Russell 2000) to boost your portfolio.

Such a portfolio consisting of those three would provide sufficient variety, the more stable performance of big firms and the dynamic qualities of both global companies and small caps.

A Portfolio with Individual Stocks

Individual stocks can offer plenty of diversification if you build a portfolio of 12 to 20 good choices, just the right number you can comfortably monitor on a regular basis. Nevertheless, make sure you completely decipher every company concerned, from its operations to its various risk sources. If you intend to engage only in stocks, spread your money over various sectors, for instance, technology, health care, big as well as small cap.

If time is a big concern for you or have no intention of choosing so many stocks to monitor, think of selecting a combination of individual stocks and index funds. In addition, particularly if you begin with minimal funds, investing in 12 to 20 stocks may be undoable. Thus, investing a big share of your money in funds would offer more stable returns often generated by such funds. Augmenting maybe five or six individual stocks more could spice up your portfolio.

Time to Invest

Once you have determined the contents of your portfolio, it is time to invest. Find a broker you are comfortable with, whether online or through a local office or both. Call and talk with this person, if necessary. Then do the necessary documents, deposit some money and open an account.

Once you have decided which to invest in, enter slowly that is, do not buy everything at one time. The danger lies in the dire possibility of a market downturn and you invest all your money at once. Such a turn of events could be disastrous for you, financially and psychologically. Spread all your investment funds over several months to reduce any diverse market risks. Finally, remember to set aside time each week to review or catch up on the news for your investments.

Continue Adding

As time goes on and you gain confidence through experience, your asset distribution habits will certainly improve. You can then amend your portfolio regularly, yearly or so, by disposing of some stocks in one class of investment and investing more in another class. Eventually, you can shift your portfolio by adding more funds to those sectors where you desire more exposure.

These increased funds can be utilized to increase the number of stocks you hold or can be augmented to your present holdings. Once you practice this regularly, you could have a sizeable portfolio that can support your retirement well, finance a new dream house or satisfy other needs you may have which led you to invest in the first place.

The Bottom Line

The first step in deciding to invest in the stock market is to consider what you wish to achieve and how to attain your goals while remaining within the limits of your risk capability. Evaluate the amount of time you can send in investing. Do this even before you let go of a single dollar and you will never have to falter along the way through moments of indecisiveness. Possessing prudence and knowledge before and after you begin your investing career will go a long way than merely chasing the latest hot stock. Remember, your money matters to you and you have a say as to what you want to get out of it and why.



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All the informationand contents on this website are, within the pertinent stipulations andregulations, provided “as is”, without warranty of any form, explicit orimplicit, including but not limited to implicit warranties of merchantability,suitability to a particular intention or non-infringement. We provide noguarantee as to the operation, efficiency or usability of this website,particularly in the sense that the website will be free from errors or thoseerrors or defects will be amended.




Byaccessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, allapplicable laws and regulations, and agree that you are responsible forcompliance with any applicable local laws. If you do not agree with any ofthese terms, you are prohibited from using or accessing this site. Thematerials contained in this web site are protected by applicable copyright andtrade mark law.

Use Lisence

1. Permissionis granted to temporarily download one copy of the materials (information orsoftware) on Oakmere Advisors' web site for personal, non-commercial transitoryviewing only. This is the grant of a license, not a transfer of title, andunder this license you may not:

a) modifyor copy the materials;

b) usethe materials for any commercial purpose, or for any public display (commercialor non-commercial);

c) attemptto decompile or reverse engineer any software contained on Oakmere Advisors'web site;

d) removeany copyright or other proprietary notations from the materials; or

e) transferthe materials to another person or "mirror" the materials on anyother server.

2. Thislicense shall automatically terminate if you violate any of these restrictionsand may be terminated by Oakmere Advisors at any time. Upon terminating yourviewing of these materials or upon the termination of this license, you mustdestroy any downloaded materials in your possession whether in electronic orprinted format.


Thematerials on Oakmere Advisors' web site are provided "as is". OakmereAdvisors makes no warranties, expressed or implied, and hereby disclaims andnegates all other warranties, including without limitation, implied warrantiesor conditions of merchantability, fitness for a particular purpose, ornon-infringement of intellectual property or other violation of rights.Further, Oakmere Advisors does not warrant or make any representationsconcerning the accuracy, likely results, or reliability of the use of thematerials on its Internet web site or otherwise relating to such materials oron any sites linked to this site.


Inno event shall Oakmere Advisors or its suppliers be liable for any damages(including, without limitation, damages for loss of data or profit, or due to businessinterruption,) arising out of the use or inability to use the materials onOakmere Advisors' Internet site, even if Oakmere Advisors or a Oakmere Advisorsauthorized representative has been notified orally or in writing of thepossibility of such damage. Because some jurisdictions do not allow limitationson implied warranties, or limitations of liability for consequential or incidentaldamages, these limitations may not apply to you.

Revisions and Errata

Thematerials appearing on Oakmere Advisors' web site could include technical,typographical, or photographic errors. Oakmere Advisors does not warrant thatany of the materials on its web site are accurate, complete, or current.Oakmere Advisors may make changes to the materials contained on its web site atany time without notice. Oakmere Advisors does not, however, make anycommitment to update the materials.


OakmereAdvisors has not reviewed all of the sites linked to its Internet web site andis not responsible for the contents of any such linked site. The inclusion ofany link does not imply endorsement by Oakmere Advisors of the site. Use of anysuch linked web site is at the user's own risk.

Site Terms of UseModifications

OakmereAdvisors may revise these terms of use for its web site at any time withoutnotice. By using this web site you are agreeing to be bound by the then currentversion of these Terms and Conditions of Use.

Governing Law

Anyclaim relating to Oakmere Advisors' web site shall be governed by the laws ofthe country without regard to its conflict of law provisions.

GeneralTerms and Conditions applicable to Use of a Web Site.



Family Office Explained

Oakmere Advisors provide professionally-managedfamily-office services to address the requirements and challenges relevant tothe obligation of protecting your heritage.

Family-officesystems are special structures allows us to provide service around thepersonalized needs of every family member while focusing on the essentialobjectives of the office in general. As such, every family office will have itsown unique structure entirely different from those of others. At OakmereAdvisors, Oakmere Advisors help extremely high-net-value families with thenecessary management approach and financial guidance that suits the goals ofthe structure.

Incorporate your FamilyOffice

Ordinarily,a family office structure is integrated within a privately-owned firm; and,just like any registered business organization, the firm must have a managementgroup of assigned directors, shareholders and an administrative staff. Thefirm’s assets are broken down into pertinent portions to represent theshareholding of every chosen member. Of course, in considering such wealthallocation, the challenges of designing an appropriate structure require theknowhow and implementation capability of administrative and legal expertise.This required expert representation is what Oakmere Advisors' family officegroups can deliver.

Eventhough a family office can be registered anywhere in the globe, familiesusually prefer to house their firms in the more secure financial centers suchas London, United States and Switzerland. Nevertheless, because of more recenteconomic and regulatory changes, clients feel that the advantages of economicstability and privacy statutes in cities such as Singapore and Hong Kongprovide a more secure structure for their dynamic needs. For this purpose,Oakmere Advisors' family- office department, in spite of being committed toonly a few chosen entities, is a growing part of our expertise that lets usmanage several family-offices located in Hong Kong or in Singapore.

Meet our Advisors andDiscuss your Requirements with us

Pleaseget in touch with us to know more about our family-office services, how you canquality for a detailed consultation and how Oakmere Advisors can assist you insafeguarding your heritage.

What is my Family Office?

· Itis an integrated structure given the task of managing the financialrequirements of a large multi-generational family with great wealth.

· Itis integrated within a firm operating in a financially-stable jurisdiction suchas Singapore or Hong Kong.

· Itis administered exclusively in accordance with a defined mandate devoted to thespecific needs of every member of the family.

OakmereAdvisors manage the multifaceted financial purposes of large wealth ownershipusing the knowhow and management expertise of our professional advisors.

Oncethe total combined wealth of a multi-generational family reaches a level ofintricacy beyond any person’s ability to cope with, a professionally-run familyoffice system will serve as a vital instrument to the current success of yourheritage. Through integrating your financial needs into a professionally-runfirm, your legal and administrative staff will manage your financial assets andsafeguard your interest by preserving and generating wealth for futuregenerations.

Thecost of administering a significant amount of wealth is proportional to thetotal wealth value involved. This implies that the cost of managing suchsubstantial wealth will include the expertise of specialists in accounting, taxlaw, business law, investment management and a private manager who isresponsible for integrating each field of expertise. To reduce the costs,ultra-high net value families opt to benefit from an integrated-family officestructure that smoothly combines each professional function into one efficient,operational system. The advantages do not merely depend on savings inadministrative expenses, but with every necessary performance within a singlemanagement group, the entire operation of the office can be readily maximizedthrough the determination of potential productive measures that arise from theintegration of every function.

Compensation Models

OakmereAdvisors offers a system whereby families can remunerate our services based ona fixed (hourly) rate or as a percentage of the value of wealth being administered.More often, a combination of the two can be agreed upon as the bestarrangement. Please get in touch with us to determine your specific familywealth needs and how Oakmere Advisors can assist you and your family topreserve and enhance your assets through a cost-effective,professionally-managed family-office structure.



Oakmere Advisors see to it that our clients will always have the confidence they need at each stage of their investment journey toward a secure financial future.

Support and Security at Oakmere Advisors in Tokyo, Japan

Every person seeks the peace of mind in this uncertain economic environment; and Oakmere Advisors fully appreciates this vital need of clients who commit their wealth to our investment plans. Hence, we utilize a significant amount time to assure that you, as our esteemed client, are constantly informed of the factors pertinent to the performance of your portfolio. Your assigned wealth advisor will furnish you with updated performance reports and also inform you of specific emerging economic trends which can either be opportunities you can exploit or as threats you can avoid through prudent adjustments of your asset allocation.

Nominee Entities

The ability to secure your wealth in the process of investing is of vital significance to our present management performance. Hence, to achieve excellent standards of investment management approaches, Oakmere Advisors utilizes chosen firms to hold your investments and assets. This strategy is consistent with the usual practices in the industry, which is securing your investments through a particular legal entity who serves to secure the value of your investments and insuring them against future events that may hinder the liquidity of your personal assets.

Oakmere Advisors uses a structure for nominee holding as a means of keeping our client’s wealth safe and secure. For more information regarding Oakmere Advisors safeguards the market values of your financial interests, kindly contact our company.

Call us at Oakmere Advisors for further inquiries regarding how we can serve you and help you safeguard your investments.

Total Client Support:

· Unhindered and direct access to your assigned wealth advisor.

· Top quality administrative and support services.

· Performance commentaries and reports furnished at your convenience.

· Your investment interests protected by legal nominee entities for added asset security.

Support and Security at Oakmere Advisors in Tokyo, Japan



Oakmere Advisors develop portfolios customized to address your requirements and to go beyond the expected potentials of your financial assets.

Oakmere Advisors in Tokyo, Japan Portfolio Management 1

Submitting your wealth to a long-term investment strategy requires a significant amount of dedication, sacrifice and, necessarily, confidence in the expert advisors on whom you place such great responsibility.

Oakmere Advisors will proactively serve as custodians of your wealth, ensuring that your targets are consistently fulfilled through our guidance and support as professional financial and administrative partners.

Dicretionary Porfolio Management

On the other hand, we deliver discretionary portfolio management assistance utilizing our multi-asset strategy with an intricately-designed asset-allocation system designed meticulously to achieve your objectives and your portfolio’s highest potential. Oakmere Advisors’ highly-experienced research and investment experts offer global insight into a broad mix of prospective investment products. Ordinarily, any portfolio we design and administer will involve an assorted blend of fixed income vehicles, equities and alternatives investments.

In accordance to your investment profile, your capacity to withstand risk and keeping in mind your needs, we will create several approaches to present the various courses you can navigate toward the fulfillment of your objectives. With Oakmere Advisors’ guidance through our wealth advisors, you will gain a clear perspective of how you can ascertain your financial security as you meet every major turn along your chosen course.

Please get in touch with Oakmere Advisors for further inquiries on how our asset allocation and portfolio integration approaches can guide you toward your secure financial future.

Advantages you derive from our Portfolio Management Services

  • A discretionary approach that removes all of investment intricacies.
  • Direct access to point-of-contact through your dedicated wealth advisor.
  • An investment-distribution model which addresses your unique requirements.
  • Performance evaluation with full-disclosure reports.

Oakmere Advisors in Tokyo, Japan Portfolio Management 2



Company at Glance

We deliver professional advisory to investors and effective services to manage the assets of a sophisticated clientele worldwide.

Oakmere Advisors is an independent company founded in 2010 that provides financial counseling to a worldwide clientele, helping them achieve their unique financial objectives.

We commit to provide our clients with a broad selection of comprehensive services in capital strategies, customized and closely-fitted to attain the client’s investment objectives. We belong to an international association composed of fifty mercantile exchanges, with a global network reaching all major financial centers of the world. As such, we possess a clear advantage in the investment industry which we utilize to benefit our clients.

A Full Range of Financial Services

About Oakmere Advisors in Tokyo, Japan

Oakmere Advisors delivers a wide range of various financial products, such as: mutual funds, stock, exchange traded funds, industrial and agricultural commodity trading. Aside from those, we also specialize in derivative-trading, including such products as futures, forwards, swaps & options. With our reliable research and precise timing, our full-service portfolio plans will facilitate your capability to manage the uncertainties of the present global markets.

Please get in touch with Oakmere Advisors for additional information regarding our services and products, as well as to fully understand how you can project and achieve a stable future of financial security.

Mission and Values


Our company commits to help achieve the financial aspirations of our clients and their families.

In the present economic conditions, we adhere to the principle of providing efficient investment management to ensure that our clients are aware of market patterns. Hence, in order to highlight and maintain viability, we constantly develop our investment strategy and principles to guarantee that our clients always have a solid foothold in the erratic worldwide economic trends. We continually keep ahead of the pack by projecting the world’s economic future into the present through our use of detailed and precise research studies. We devote our efforts to offer our clients with the approaches that provide them the assurance of remaining always secure and prepared for whatever market challenges that may appear ahead.

Responsible for your Financial Well-Being


Foreseeing the future movement before the market at-large does while moving toward it before others do, presents us a more secure and stable advantage, and, thus, fundamentally gives our clients greater confidence and safety. We comprehend the factors that influence wealth accumulation quiet well, and, moreover, the solutions needed to assure that our client’s financial goals are met all the time. Having a more responsive entry into the market and a perfectly timed exit, our approach not only lets us dispel all undue exposure to risk but will likewise attain more significant profits, enhancing your year-end revenues. Our clients have realized the great discrepancy between common and extraordinary capital growth.

Aligning Vision with Reality

 Oakmere Advisors in Tokyo

Our vision is to keep your financial legacy intact, yet enhanced to such extent that you attain the kind of retirement life you have wished for all these years. Moreover, we see to it that your children and their children will not drowned in a proverbial sea of indebtedness, but that they are able to attain some degree of comfort and security in life which you have worked so hard to achieve. For we must admit, we all want to have a less-stressful passage through life’s exigencies.

Our vision is to constantly deliver to our clients the vital information they need even prior to the greater market knowing it, providing efficient financial advisory with an eye into attaining our client’s complete satisfaction.

Mission and Values


  • To remain committed to enhancing every client’s assets we manage and to safeguard their financial interests toward continued prosperity, no matter what the market conditions are.
  • To deliver top-quality financial management solutions with the help of our equally proficient administrative staff.


  • We work within a code of ethics which imposes upon our company a constant sense of transparency and integrity.
  • We honor the financial needs of our clients in a manner that produces a higher sense of well-being for all concerned.