Difference Between Asset Management and Investment Management

Asset Management vs Investment Banking

Asset management

Is the management of a client’s investment wherein as a part of the management the company doing the management will invest on behalf of the client.

Investment banking

Is coming up with options, in addition things, to help a company or an individual create capital through strategic investments.
Simply put, asset management is managing money that clients already have, while Investment management is generating money for the client that the client does not have.

What is Asset Management?

All that you hold as assets—your land (real estate), your stock holdings, bonds and more, needs management. Your assets when not managed or not managed well enough will not hold the value for you in the way you had planned. There are companies and agencies that do professional asset management and are sought after, predominantly, by the high net worth community. When you have a large, diversified set of assets, it becomes important for you to seek out focused and professional attention to keeping the assets going. For example, if you have a big office or a sprawling store house, they are in themselves units that require management—rent collection, the maintenance and upkeep, changing laws and meeting the stipulations all require expertise of a different sort. That is what an asset manager offer. This is just an example of what is taken care of in terms of property asset management. Typically the offer their expertise for a equity, fixed income, real estate, commodities and international investments. Setting of financial goals, making projections and drafting a strategy including investing in the profitable assets and risk analysis is what asset managers do.

What is Investment Management?

An investment is what makes to earn more and to be able to grow your wealth from the initial investment made; an investment is not a saving but an income generating process and almost everyone today is investing for the future; investing themselves with some insights available to them or to turning to professional investment management firms ( and banks) to get their investment needs met. While a savings can offer you the cover you need for the rainy day, it usually will not generate much with the interest that it earns. Interest earned from savings do not, normally, let you get ahead of the inflation that occurs year after year. Investments on the other hand grow( when successful) and yield more returns. They potentially have what it takes to not just catch up on inflation but also overtake it. Typically investment management includes but limited to financial statement analysis, strategizing portfolio, asset analysis and monitoring investments. Bank today in Singapore (and also elsewhere in the world) offer investment management and asset management services as a part of their wealth management and investment management offerings. Citi Singapore for example has a clutch of short term assets, long term assets and liquid assets options. Unit trusts that Citi offers help you diversify you investment portfolio and is managed by according to them some of the most reputed fund managers. On the other end of the spectrum it also offers a regular savings plan which can be started with as little as s$100.


Tips for safe online banking

In today’s zippy times, online banking is more popular than ever. Read the article below to discern how to protect yourself from fraud.

Security is the most essential thing when effecting financial transactions online. With hackers all around, we should be awfully vigilant with our personal and financial information. On the other hand, most online banking services are justifiable services that can save you time and money. Mull over the subsequent tips to safeguard your information while benefiting from the immense advantages online financing has to offer.

Even though statistics show that online banking fraud has fallen by over 32% over the last year, online banking users still need to be on their guard.

Criminal gangs are all the time formulating new-fangled ways to get their hands on your money and you can help restrict the tide by adhering to a few easy to follow steps.

10 Tips to protect yourself from online banking fraud

  • Regularly log in and check your statement, looking for unusual transactions.  Immediately report unfamiliar items to your bank
  • Never respond to emails or phone calls that purport to be from your bank and ask for your security information
  • Never leave your computer unattended when logged in, and always log out properly when you’ve finished your banking session
  • Avoid public computers for online banking
  • Make sure your wi-fi network is secure, to prevent unauthorised users accessing it
  • Don’t open emails from unknown sources as they may contain a virus
  • Install the latest anti-virus and anti-spyware software, use an effective firewall, and keep them all up to date.
  • Keep your operating system up to date.  You can do this by setting your computer to receive and install updates automatically via the internet
  • Keep your web browser up to date.
  • Don’t write your passwords down in full or share them with anyone

How safe is your bank?

Most banks worldwide this year uncovered widely varying levels of online security. Almost all banks have certified anti-virus software with good login security and logout performance and an overall score of 69%.

What must you do if you fall a victim of  online banking fraud?

Contact your bank as soon as you spot any suspicious transactions on your account.