A big expense
requires planning
An Anneau Investment plan that is structured for your special project; travel, vacation, wedding, sabbatical, car/machinery lease, etc.
An Anneau Investment plan that is structured for your special project; travel, vacation, wedding, sabbatical, car/machinery lease, etc.
Our Financial Planning Process
The best financial plans fail; if not executed with discipline, obsession and riguor.
Refining your dream
A special project should not prevent you from living a reasonably comfortable life within your means, providing for your loved ones, living a decent retirement or even packing up for that vacation you’ve been waiting for.
We shall understand your project and/or that special expense coming up. Whether it is that long awaited vacation, sabbatical year for travel, a big purchase or a family wedding, we can help you plan, save and invest for it with our cash and investment plans. You may be surprised that sometimes projects that seem unachievable become a reality with a clear, precise and realistic financial plan. Once the budget is agreed, it shall be reconciled with your current and future income streams, your spending habits, current liabilities, such that your special project becomes a reality, much quicker.
Formulating your plan
That special project is your goal. The Financial Plan is the tool you will use to achieve your goal. Once the objective has been defined, it is now easy to establish a savings and/or investment plan that will discipline you to save and invest.
Anneau will draft your Financial plan in accordance with the set objectives. Cost budgeting is one of the tools that we use to ensure that the ideal budget is created for your special project, bearing in mind that prices fluctuate over time and so it is important to factor these in. Once the plan is formulated, Anneau will consult with you to ensure that such a plan is realistic without overly burdening your reasonable standard of living in the short-term. It is advisable to save and invest for special ‘Non-productive’ expenses, as opposed to using credit cards, personal loans and other types of leverage.
Implementing your Plan
Without disciplined implementation, no plan can be successful and no goal can be achieved. Hence the importance of you doing your best, day in-day out, to ensure that you are saving/investing with discipline, patience and riguor.
Your Financial plan will clearly dictate your savings/investments which can be in Lump-sums and/or monthly contributions. Your Relationship Manager will regularly sit down with you to review the plan and its performance. Your current financial situation will invariably change with time and it is important that your savings/investment plan adjust to it (especially in periods of economic volatility which results in changes in interest rates). Once your financial target is within grasp, Anneau will further assist you in planning and negotiating for the actual expense. Little things matter to us!
