Expat financial advisor in Trinidad and Tobago – that will be the title of this article.
Compararé algunas de las opciones disponibles a nivel local, junto con otras más portátiles, en línea e internacionales, como las que nosotros ofrecemos.
Para cualquier pregunta, o si desea invertir como expatriado, puede ponerse en contacto conmigo utilizando este formulario, o a través de la función WhatsApp.
Tiene sentido tener una opción portátil como expatriado, frente a una localizada, y eso es algo en lo que nos especializamos.
Introducción
Trinidad and Tobago, officially known as the Republic of Trinidad and Tobago, is the southernmost island country in the Caribbean and is known for a wealth of fossil fuels. Consisting of the main islands of Trinidad and Tobago and many much smaller islands, it is 130 km away. (81 miles) south of Grenada and 11 km (6.8 miles) off the coast of northeastern Venezuela. It shares maritime borders with Barbados in the northeast, Grenada in the northwest, and Venezuela in the south and west.
Trinidad and Tobago has the third-largest GDP per capita in purchasing power parity (PPP) terms in the Americas after the United States and Canada. The World Bank has recognized it as a high-income economy. Unlike most countries and territories in the Caribbean, which rely heavily on tourism, the economy is primarily industrial with an emphasis on oil and petrochemicals; most of the nation’s wealth comes from its vast reserves of oil and natural gas.
Trinidad and Tobago is one of the richest countries in the Caribbean thanks to its large reserves of oil and gas, the development of which dominates its economy.
Inhabited mainly by people of African and Indian descent, this two-island nation has a per capita income well above the average for Latin America and the Caribbean.
The dependence on oil has made the country hostage to world oil prices, the fall of which in the 1980s and early 1990s led to the accumulation of large external debt, widespread unemployment and labor unrest.
Like other countries in the region, Trinidad and Tobago, a major transit point for cocaine, suffers from drug and criminal gang violence that threatens the tourism industry.
Calypso music and steel drum bands participate in Trinidad’s Carnival celebrations. Tobago attracts diving enthusiasts and nature lovers.
Trinidad and Tobago is often considered one destination, but in reality, they are two islands that are very different from each other. The main difference is the size of the islands. Trinidad, the larger of the two, is the fifth-largest island in the West Indies, with an area of 1,833 square miles. Tobago is a small island of just 116 square miles with a population of 60,874 in 2011. Trinidad has a population of 1,300,000.
English is spoken on both islands and both were part of Great Britain until independence in 1962. Retirees who prefer more urban life should consider settling in Trinidad. The capital of Trinidad and Tobago, Port of Spain has all the hallmarks of a vibrant city with its tall buildings, bright lights, and bustling streets. But the multicultural Caribbean atmosphere is still an integral part of Trinidad, and foreigners can expect to hear Calypso all over the city, reaching its pinnacle during the world-famous carnival.
Tobago is an ideal destination for expats who enjoy peace and quiet and are looking for a tranquil Caribbean life. There is plenty to do in the fresh air here. Pensioners who are particularly fond of cricket will have a great time on the island, as the sport is very popular in Tobago after being brought there by the British. Local teams are always involved in matches and during training, the teams are athletic enough to give you a place on the field if you know how to play. Pickups are also held on the beach.
It will be easy for expats to make new connections because there are many expat groups in Trinidad and Tobago, especially in the capital, Port of Spain, and other cities such as Scarborough and San Fernando. Expats in Trinidad and Tobago come from a wide variety of ethnic backgrounds, and there are several well-established communities such as Portuguese, Lebanese, Africans, East Indians, and Chinese. It will be fairly easy for new immigrant retirees to adjust, especially since English is the official language.
Trinidad and Tobago has a reputation for being a laid-back and relaxed place, but the indigenous people are hardworking and professional in working conditions. Trinidad and Tobago’s economy is based on the oil industry and most expats work in this sector. There are also expats working in the financial and electronics industries. A very big number of expats also decide to invest in Trinidad and Tobago.
Trinidad and Tobago has several international schools that are ideal for expat families moving to the islands. Most of these schools are located in the capital, Port of Spain. The health care system on the island is of a high standard and emergency services are available to everyone, including expats, at no cost. However, many expats still choose to use the private health care system in Trinidad and Tobago and seek to get insurance before arriving in the islands.
Expats will be happy to know that Trinidad and Tobago has no major security concerns. But basic care must be taken, such as keeping valuables out of sight and taking extra care in crowded places. Aside from these minor issues, expatriate retirees are unlikely to face any other security concerns.
Economy of Trinidad and Tobago
Trinidad and Tobago is the most developed country and one of the richest in the Caribbean, and it ranks among the 40 (as of 2010) of the 70 high-income countries in the world. Its US $ 20,070 gross national income per capita is one of the highest in the Caribbean. In November 2011, the OECD removed Trinidad and Tobago from its list of developing countries.
The economy of Trinidad is heavily influenced by the oil industry. Tourism and manufacturing are also important to the local economy. Tourism is a growing sector, especially in Tobago, although proportionately it is far less important than in many other Caribbean islands. Agricultural products include citrus fruits and cocoa. It also supplies manufactured goods such as food, beverages, and cement to the Caribbean region.
Due to unstable economies and currencies, sometimes people may find themselves in a situation that they cannot control, and they will feel the need for a professional who can help them understand how to use the funds and provide valuable strategies.
Sometimes, especially if you are an expatriate in another country, you should contact a financial advisor and keep in touch with him at all times to make sure that you can achieve your financial goals wherever you are.
In this article, we will talk about the need for financial advisors and try to focus on one of the best options and prove that it is more convenient. Then we’ll compare local and online financial advisors and what they have to offer you.
¿Qué hace un asesor financiero?
Usually financial advisors help you in all aspects of your finances. They have licenses and an extra layer of finance understanding to help you get the most out of your money. Financial advisors act in your best interest, like all financial professionals, to understand your needs, goals, and risk tolerance.
En lugar de ir por libre, considere las ventajas de trabajar con un asesor financiero. He aquí algunas razones por las que tiene sentido buscar un asesor financiero:
Financing don’t have to be stressful
According to research, the majority of financially and emotionally confident people use the services of a financial advisor. When this is added to research showing that 79 percent of working Americans experience significant stress in their lives, and finance is a significant part of their anxiety, it becomes clear that there is a problem. a large gap between people’s beliefs and their actions. When working with a financial advisor, one of your main goals should be to de-stress your personal finances and help release the emotions of investing.
Controlar sus finanzas en solitario puede no ser la mejor opción
La mayoría de la gente depende de su trabajo para su sustento económico, lo que incluye no sólo el salario, sino también prestaciones como el seguro médico, el seguro de invalidez, el seguro de vida y el seguro 401 (k). Pero depender sólo de su trabajo puede no ser la mejor estrategia para aumentar su dinero. Las investigaciones han demostrado que las personas que trabajan con un asesor financiero para invertir y multiplicar su dinero obtienen, de media, un aumento del 5% en sus resultados.
The counselor will ask about your finances, personal circumstances, your goals, and how you feel about taking risks with your money. This will help them recommend the most effective strategies that work for you.
The more information you prepare when you meet with a consultant, the more benefit you will get. This includes details on how much you have in the bank and other income.
¿Cuándo contactar con un asesor financiero?
Habla con un asesor financiero si quieres:
- invierta su banco para recibir ingresos regulados: el asesor lo hará por usted
- opciones de pensión mixta
- pague más dinero por su pensión
- asesórese sobre cómo distribuir el dinero en caso de fallecimiento mediante testamento: pueden aconsejarle sobre la forma más eficiente de hacerlo desde el punto de vista fiscal.
How can a financial advisor help you?
Our finances affect almost every aspect of our lives. Thus, working with a financial advisor can positively impact your own financial well-being, but also your loved ones, future generations, and even your community.
A financial advisor can bring you closer to the future you see for yourself in a variety of ways, from creating tailor-made savings strategies for all of your short and long term goals to choosing the right investment products and working on property issues, and setting up insurance coverage for you and your loved ones.
But the most important benefits don’t necessarily lie in the details of the strategy and investment. We believe the real difference is finding a consistent and reliable partner who understands what matters most to you and why.
Your financial goals and investment strategies should be as unique as you and your goals. By listening to your unique story, your financial advisor can help you develop sound goals and sound basic strategies that will help you move towards your vision for the future.
We are committed to your life path, so you can be sure that you have someone to help you adjust to your life. Whether you want to save for retirement, make sure your kids or grandchildren graduate from college debt-free, travel the world, or amass wealth for the latest generations, we can partner with you to make this happen.
Asesores financieros locales
Hay muchas ideas equivocadas sobre el papel de un asesor financiero y las diferencias entre los profesionales del mercado financiero. La realidad es que contar con un experto que le ayude a navegar por el mercado financiero y a elegir una inversión de restauración basada en sus necesidades individuales puede ser extremadamente beneficioso a largo plazo. Especialmente los asesores fiduciarios locales, que están legal y éticamente obligados a ponerle siempre a usted en primer lugar.
Muchas personas prefieren un asesor financiero local por su comodidad, interacción y mucho más. He aquí las principales razones y ventajas de elegir un asesor local:
Comunicación personalizada
Sí, algunas personas sólo confían en persona, sobre todo cuando se trata de dinero. Si no se siente cómodo haciendo negocios en línea, un asesor financiero local puede ser lo más adecuado para usted.
Mucha gente prefiere el contacto personal y humano, sobre todo la generación de más edad, que se crió en casas de ladrillo y mortero en lugar de hacer negocios por Internet, razón por la cual un asesor financiero local es el tipo de asesor preferido.
Aside from managing your investment portfolio, the benefits of a traditional local financial advisor include the ability to discuss your questions and concerns as often as you want, anywhere.
Las reuniones cara a cara pueden ayudarle a aclarar sus costes y objetivos concertando una cita de evaluación y programando revisiones periódicas. Todos los asesores son individuales, por eso es tan importante fijarse bien y hacer preguntas para encontrar a alguien que se adapte a tus necesidades individuales.
Experiencia local
Trinidad and Tobago is a foreign country and for many expats the laws may be different, investment options, savings accounts, and more may require different skills.
La decisión clave es un asesor financiero local. Suelen estar formados y centrados en las leyes y normativas que rigen en el país. Por eso son un gran recurso si quieres invertir localmente para impulsar el crecimiento en tu zona, ciudad o estado.
Tenga en cuenta que la inversión local puede reportarle dos tasas de rentabilidad: una directa para su cartera y otra a través de su comunidad. Cada vez hay más pruebas de que, en comparación con sus homólogas no locales, las empresas locales tienen entre dos y cuatro veces más impacto en el desarrollo económico local por cada dólar que se gasta en ellas.
Por tanto, si tiene una cartera de inversiones que incluya empresas locales, sus dólares seguirán circulando y mejorando el bienestar de toda su comunidad al crear nuevos puestos de trabajo, aumentar los ingresos y, en última instancia, apoyar la financiación de escuelas, parques, servicios de policía y bomberos; y zonas seguras y prósperas.
An expert, local financial advisor can help you do your due diligence to make sure your local investment makes sense.
Asesores financieros en línea
Los asesores financieros en línea han ido ganando popularidad a lo largo de los años y por diversas razones.
Una de las primeras razones por las que la gente empezó a trabajar con asesores financieros virtuales fue para ganar tiempo en los viejos tiempos, ya que no tenían que subirse a su coche o sentarse en el tráfico para reunirse con su asesor financiero cuando una llamada telefónica o reuniones Zoom son simples. también.
Para las personas que viajan con frecuencia o tienen previsto trasladarse a otra parte del país (o vivir en el extranjero), trabajar con un asesor financiero en línea también garantizará que su relación no termine dondequiera que esté.
Quizá el avance más significativo que acelera la tendencia hacia el asesoramiento financiero virtual es la capacidad de los asesores financieros para especializarse en un nicho que sería poco práctico si se limitaran a trabajar con clientes de su ciudad.
This way, you have the opportunity to hire a financial advisor who truly understands your individual needs, based on their education, experience, and commitment to helping people like you.
La ubicación es la primera ventaja
Los inversores que buscan contratar a un asesor en ciudades con un alto coste de la vida a menudo tienen dificultades para encontrar un asesor asequible o que les acepte como clientes si no cumplen los requisitos basados en su patrimonio mínimo.
Having a virtual relationship allows investors in, say, San Francisco or New York, to hire a consultant in Delaware or Mississippi who is likely to be more accessible and have a lower declared minimum asset, even if they have the same experience and level service offers.
Todo debe estar a su tiempo
Los profesionales que trabajan duro cobran buenos sueldos, pero a menudo no encuentran un consultor que esté disponible cuando ellos lo están: fuera del horario de oficina. Un consultor online no suele estar limitado a las horas de “oficina” y ¡puede ponerse en contacto contigo cuando lo necesites!
En épocas de intenso estrés financiero, a menudo no basta con una simple revisión del plan anual. Como inversor, lo más probable es que prefiera disponer de sus planificadores o asesores financieros durante todo el año.
La relación cliente/consultor no es una relación fija, sino un diálogo permanente. Esto incluye conversaciones continuas por texto o correo electrónico, que son mucho más cómodas que las reuniones cara a cara programadas una vez al año.
Aumente sus posibilidades de encontrar al asesor adecuado
A menudo, debido a restricciones de ubicación, la gente elige asesores financieros que no son adecuados para ellos. En lugar de centrarse en encontrar un asesor fiable que se preocupe por sus intereses y tenga experiencia para sus necesidades específicas, las limitaciones físicas pueden inducirle a contratar a un asesor de baja calidad que casualmente vive cerca. La posibilidad de encontrar un asesor en activo amplía prácticamente el abanico de posibles candidatos, ¡para que pueda encontrar el más adecuado para usted!
Los asesores financieros tienen trayectorias diferentes y el valor que aportan puede variar mucho. Aunque un asesor sea remunerado, esto no significa que tenga el mismo nivel de experiencia, ofrezca los mismos servicios o atienda a los mismos tipos de clientes. Zoe te ayuda a encontrar los 5% mejores asesores independientes remunerados del país, para que puedas encontrar un asesor altamente cualificado estés donde estés.
Una vez que confíe en que su posible asesor financiero online tiene la experiencia adecuada, tendrá que evaluar si su experiencia se ajusta a sus necesidades y a su inversión. El valor que los consumidores esperan de un asesor ha cambiado radicalmente en las últimas décadas.
Previously, the value of advisors was in their ability to try to beat the market by choosing stocks, bonds or mutual funds on your behalf. Technology and product innovation have commodified many of these tasks through more passive and cost-effective investment vehicles such as index funds or ETFs. An online financial advisor practice can provide an interactive service that has already been redesigned for virtual work with its clients.
How should you interview your financial advisor?
It’s simple. After selecting the consultants you want to interview, you can schedule time with them on their calendars. Virtual financial advisors know how to meet leads using secure video conferencing tools, so your first interview will run smoothly and hassle-free.
A hands-on interview with a financial advisor serves the same purpose as a face-to-face meeting: to find out if a financial advisor is right for you. The big difference is that with a virtual consultant, you can interview them from the comfort of your living room couch.
In any case, different types of Expert Advisors work in different situations. It is important to assess which type of advisor is best for your individual needs. Plus, since investing is a long-term commitment, it’s important to choose an option that not only gives you peace of mind but also helps shape your financial success.
But if you are interested in communicating online about your finances, you can contact us to start building a financial future that will give you stability and peace of mind.
¿Le duele la indecisión financiera? ¿Quiere invertir con Adam?
Adam is an internationally recognized author on financial matters, with over 329.1 million answers views on Quora.com and a widely sold book on Amazon
