ISEC Wealth Management
Questions & Answers

Oh, there are lots of them. 1) Government bonds. These are the long-term investing instruments that particular countries issue to raise money. For example there are 5-years, 10-years and 30-years US treasury bonds. They have various yield rates. Government bonds yield is coupled with the national bank's interest rate. This type of asset is considered to be highly secure and conservative. 2) Corporate bonds. The principal of corporate bonds is the same as government bonds. It's the debt obligation of corporations. The main dissimilarity from stocks is that corporate bonds don't give you the part of a company. You get only interest from the bond, no matter how profitable the company is. 3) Equities of the companies. ISEC invests in shares of different companies with different yield ratios to diversify the overall assets in your portfolio. Therefore combining various instruments with various characteristics. ISEC wealth management using mathematical models achieves the required portfolio interest percentage.

I, too, established the goal of retiring early. In the beginning, when I had free money. I start with F. I. R. E. movement, but once my income became bigger - I tired of FIRE strict rules. I chose ISEC WM Balanced investment model with a yield of 9-10% per annum as it is hard for me to think of investing each month and I'm okay to share some profit for service. And I'm Okay to work longer but spend life with a pleasure ;)

If you have the account with them, you can always see it, the performance. They give full transparency, can even see which stocks/bonds your money is invested into. For performance, I think they aim to beat S&P500 most years. But some years they beat them by a lot. One of the years was +30% for me, some were +28%. But that is outliers, and not all years are profitable. One time was almost -20% at one point in time (was a month during COVID). If you would withdrraw during that month, you would be actually losing money. But the end of that year was green as well. Still.

You shouldn't. ISEC experts will do it for you. Which is a good thing because you have to delegate the responsibilities to those who are more competent in the sphere than you are. At least if you want to multiply your savings.

The opening of an account starts from 1000 EUR or USD. So, you can be sure open an account whenever you want it and apply to this company in order to boost your funds. According to my exp, better to invest starting from 5k USD. Still, really depends on your goals.

I think all you need to know is that they’re regulated by cysec and operates under MFID II framework. For the EU, it’s enough to consider any wealth management credible. But idk whether it applies to people who open accs witht them outside EU.

To my knowledge, no certain favor, they just diversify portfolio with etfs, shares etc. But i'm sure you can contact them directly - i guess each case individual and they can offer smth based on your startegic goals

Well, unfortunately they have a list of countries from where they accept clients. You can easly find this list if you open their website and scroll till the end and in the right bottom with small letters… there it is. It’s not a small list, tho, but it’s not the whole world, too. Check it out, i hope your country is in it, since these guys are really great in what are they doing

It’s basically just makin sure your invstments don’t drift too far from your original plan. You might start with smth like a mix of stocks and safer assets, but over time markets move and that balance changes without you doing anything. So if one part (like stocks for example) grows a lot, it can end up taking a bigger share than you wanted. Rebalancing just means trimming it down a bit and moving money into other parts to even things out again. It’s not about predicting the market or chasing gains - more about staying consistent, managing risk, keeping your portfolio from getting too heavy on one side…

Tried crypto, tried stock-picking, both of those ended up net-negative to me, lol. Thats when I figured out its better to pay a few % to pro investors, to manage my money for me, and let me do my own job in peace. I focus on my job, they focus on theirs, win-win.