John Hustaix is an in-house lawyer with more than a decade of private practice asset management experience. This article will explore the topic of asset management in more detail and how it is used to provide a framework for the day-to-day running of wealth portfolios.

Pooling assets by creating an investment portfolio allows investors to access these assets with limited expertise requirements. This is achieved by identifying opportunities, assessing risks and developing overarching strategies to achieve the client’s specified financial objectives.

Asset managers usually organise the pooling of assets with common features into packaged products that can be easily identified by investors. As such, asset managers will create funds into which investors’ capital is collected and then use the collected capital to acquire multiple assets to which investors will have a pro rata exposure. This allows investors to (i) access assets that they would not normally invest into themselves or directly, (ii) diversify their exposure to multiple assets having common financial features and (iii) reduce the costs of managing these assets.

Once the investment portfolio has been established, the asset manager will be responsible for monitoring individual investments and tracking overall performance, managing investments and financial products that form part of the portfolio. This may include selling funds when the time is right or purchasing more assets based on market research.

Asset management companies manage funds on behalf of both corporate and individual clients. They make timely investment decisions with the ultimate goal of growing their clients’ portfolios and wealth.

Asset management is one fell swoop that involves increasing the value of portfolios while simultaneously mitigating risk. The client’s risk tolerance is a critical factor in investment decisions that can vary hugely from one investor to the next. For example, a young individual may have longer-term objectives that require limiting short-term liquidity to increase risks by either leveraging or buying illiquid investments, thus creating scope for greater yields, while a retiree living on the income from their portfolio is unlikely to benefit from longer-term returns and thus will likely be much more risk averse.

It is the role of the asset manager to propose pooled investments that are most appropriate for the client, aligning with both their risk tolerance and long-term financial goals. Investments may include stocks, commodities, real estate, bonds, mutual funds and alternative investments.

Effective asset management calls for extensive research using both micro and macro analytical tools. This includes reviews of corporate financial documents, statistical market trends analysis and anything else that can help to achieve asset appreciation. Essentially, asset management involves buying, holding and selling funds, stocks, bonds and other investments and financial products for the benefit of several investors treated equally.

In an era dominated by digital marketing, the resurgence of traditional advertising methods has taken many by surprise. Among these age-old techniques making a comeback, leaflet distribution has emerged as a powerful and newsworthy strategy for businesses looking to connect with their audience tangibly.

Leaflet distribution, also known as flyer distribution, is witnessing a revival in popularity as businesses recognise the unique advantages it offers in a crowded advertising landscape. Unlike the virtual world of social media and online ads, leaflet distribution provides a substantial and personal connection with potential customers.

One of the key strengths of leaflet distribution lies in its versatility. Businesses can tailor their message to specific localities, ensuring that their promotional materials reach the right demographic. This targeted approach has proven to be effective in both urban and suburban settings, making leaflet distribution an adaptable strategy for businesses of all sizes.

The tactile nature of physical leaflets contributes to their effectiveness. When a potential customer receives a well-designed and informative leaflet, they not only absorb the message but also have an evident reminder of the brand. This tactile engagement can leave a lasting impression, fostering a sense of connection that is often harder to achieve through digital means alone.

In recent years, businesses have discovered the benefits of using a leaflet distribution company to enhance the efficiency and effectiveness of their campaigns. These specialised companies offer a range of services, from designing eye-catching leaflets to strategically distributing them in targeted areas. By delegating the distribution process, businesses can concentrate on their core operations, entrusting the intricacies of reaching the audience to seasoned professionals.

Using a leaflet distribution company brings several advantages to the table. Firstly, these companies have extensive knowledge of local markets, allowing them to provide valuable insights into the most effective areas for distribution. This local expertise can significantly boost the chances of a successful campaign by ensuring that leaflets reach the right people in the right locations.

Secondly, leaflet distribution companies often have access to advanced analytics tools that can track the performance of a campaign. From the number of leaflets distributed to the response rates and customer engagement, these metrics offer valuable data for businesses to assess the success of their marketing efforts. This data-driven approach enables businesses to make informed decisions and refine their strategies for future campaigns.

Furthermore, partnering with a leaflet distribution company can save businesses time and resources. The logistics of planning and executing a leaflet distribution campaign can be intricate, involving considerations such as route planning, printing, and manpower. By outsourcing these tasks to a professional company, businesses can streamline the process, ensuring a smoother and more efficient campaign.

Leaflet distribution is particularly impactful for local businesses looking to build a strong presence within their community. Whether promoting a grand opening, announcing a special offer, or simply raising awareness about their products or services, leaflets provide a tangible connection that resonates with the local audience.

As businesses continue to explore diverse marketing strategies, the resurgence of leaflet distribution stands out as a testament to the enduring power of traditional advertising methods. By combining the concrete benefits of physical leaflets with the expertise of a leaflet distribution company, businesses can create memorable campaigns that cut through the digital noise and leave a lasting impression on their target audience.

Paytiko supports businesses all over the world, helping them to access the most suitable payment processors and solutions. This article will look at Paytiko’s ‘Refund’ feature and how it enables merchants to easily manage, track and execute monetary returns that differentiate from other outgoing transactions.

Managing refunds, chargebacks and returns is a key capability for e-commerce merchants. Nevertheless, for many, it can be a considerable drain on resources and time. Today’s forward-looking merchants are increasingly investing in automating and tracking these processes. After all, streamlining returns and refunds poses scope to significantly increase the bottom line of any business.

In a post-pandemic world, many consumers continue to rely on e-commerce as an accessible and convenient means of completing transactions. In the UK, research by Report Sector suggests that circa £5.3 billion has been added to the country’s economy thanks to growth in e-commerce sales.

Issuing refunds is not a desirable activity for any organisation. Nevertheless, for e-commerce businesses, managing refunds, chargebacks and returns is the cornerstone of sustainable profitability, helping e-commerce stores to optimise the customer experience and cut through the noise in increasingly competitive landscapes.

To ensure customer satisfaction, it is crucial for e-commerce businesses to make their return policy clear pre-purchase, ensuring product descriptions are accurate and offering flexible product return windows. Some businesses even offer free returns. At a bare minimum, e-commerce stores should take care to ensure that their return and refund terms are clearly stated, demonstrating transparency about refund policies. In addition, it is also crucial for e-commerce businesses to track and analyse returns data to identify trends among returned items and customers.

In increasingly competitive marketplaces, the onus is on businesses to keep the customer happy by remedying bad situations. For commerce-oriented businesses, refunds are unavoidable, placing merchants who can deal with them efficiently at a significant advantage in terms of maintaining customer satisfaction and business productivity.

Paytiko segregates refund transactions, enabling merchants to issue and view refunds by customer, payment processors, currencies and other parameters. Paytiko assigns an individual dashboard identifying number to each refund, as well as a coloured processing status, enabling merchants to personalise the platform layout and filter refunds by column headers.

Paytiko was created to help digital merchants evolve by providing a cashier solution to optimise payment flows. Paytiko helps businesses operating in a wide range of different industries to handle incoming payments, enabling merchants to offer their customers the most accessible and convenient payment options available today.