Private Banking Services Vs Retail Banking

Private banking is a much more personalized banking service given to individuals who invest substantial sums, typically over U$S1M. The most noticeable difference between retail and private banking services are that private clients receive customer service on a 1-1 basis via a relationship manager or a private banker. Wealthy individuals with private accounts can expect to meet their bank contact in person, and have direct phone access to a relationship manager. Usually the private banking arm of a bank is separate from the retail banking arm and the service is completely distinct.A private bank is one that is not incorporated. Private banks are favoured by conservative investors because the directors are personally liable, and more likely to be cautious in managing client funds. Financial institutions like these are sometimes family owned and only cater to the very rich. One of the reasons why wealthy people choose them is their confidentiality – a pledge to maintain client records secret. For some it is a case of not wanting to be targeted by criminals, lawsuits or corrupt governments. Others use this secrecy to shield income from authorities like the IRS and evade tax.

Many of the world’s private banks are found in Switzerland because of the strict bank secrecy laws and sophistication of Swiss financial services. Small banks in countries like Switzerland are also more likely to keep their client records secret because they limit their operations to within the country’s bank secrecy laws.Not only private banks offer private banking services – in fact some of the biggest providers of private banking and wealth management services like UBS, Credit Suisse and the Barclays are not privately owned. Private clients of these huge banks can take advantage of their in-house trading and research departments, and sometimes choose to have almost all their assets managed by the bank. This way they expect much higher returns than those given by a simple savings account or certificate of deposit.Types of Private Banking ServicesUsually only very affluent clients demand wealth management – where private bankers manage an investment portfolio for a family or an individual. The fee for this service varies from bank to bank and is charged yearly as a percentage of the total amount invested. The return of a portfolio will also depend on the standard of the private banking service. While some will provide excellent returns, others will continue to charge high fees while investing client funds in the bank’s own investment funds, regardless of whether or not this is beneficial to the client.

A popular alternative to wealth management is Self-Directed private banking, where the client manages his own portfolio, at times calling on advice from the bank. The advantages of this type of account are lower fees and greater personal control.Inheritance and tax planning are extra private banking services provided either directly or by referral for an extra fee.

Questions About Products You Must Know the Answers To

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Is Learning Tennis Important?

Learning tennis can start at various ages. Some pick it up at a tender age of 3 – 4 years old. Others do not have the opportunity until later in life. Nevertheless, learning tennis is important for all ages, especially for kids for the following reasons and arguments:• Tennis is a form of exerciseNo matter how you see it, tennis will always give you some cardio work out which makes it a form of exercise. Tennis involves running, sprinting at times, stretching for the ball, power and grace. It not only requires physical agility but mental prowess as well. I thoroughly enjoy tennis as it gives me a good work out;• Tennis stimulates the mindFor most people, tennis is merely a physical sport. Nothing more. But, if you look closely, you will realize that tennis requires more mental toughness and mental alertness than one would think it requires. For the competitive player, it is easily more than 80% mental than physical. Choosing the correct shot at the appropriate time is more important than just whacking the ball hard. This requires the mind to be nimble and agile to quickly discern the appropriate shot to make in order to win the point.

• Tennis improves your social network and self esteem.We are all human beings. We require to be amongst people. Tennis will give you that opportunity to mingle and interact with people in a fun and engaging environment. It will help you to form or enter an already established social group. It helps to build you up as a person too. Not all of us are champion tennis players. That said, being able to hit a tennis ball well at times certainly gives me a sense of satisfaction and raises my self-belief a little more. It allows you to make more friends and feel that you belong.• Tennis improves your mental toughnessTennis, unknown to most players, requires one to really focus and execute an action within a split second. For competition players, tennis helps to improve their self worth and esteem. One has to be able to lose graciously, pick one self up and move on in life to the next match. Losing helps to humble oneself. It teaches one how to lose and yet be happy about it. One has to realize that here is more than life than just winning.• Tennis is good for young kidsIf you have the ability, let your kids try tennis at a young age. It will help to build them up physically and mentally. Tennis will open doors for these kids ie they may be able to get scholarships to various universities. It will help to toughen them up mentally. Of course, the physical aspects of tennis training will also make one stronger and fitter.• You could learn tennis and be a coachTennis can be a means for making a living for some. Ideally, a competitive player, once retired or being injured could decide to take some coaching courses and become a tennis coach. Coaching can be rewarding financially but more importantly it can also be beneficial emotionally as you see your charges grow up to be men or women of stature in society. For some, tennis could give you an extra bit of income while you are studying in university.

• Tennis can be a businessApart from being a coach, there are many business aspects relating to tennis. One can open up a sports shop selling tennis gear and equipment. You can sell tennis rackets, tennis shoes, tennis bags and many other items related to tennis. You could start and run a tennis club with membership fees. It can be quite lucrative and fun at the same time. Organising tennis tours to various tournaments globally can be another venture to look into.Ultimately, if you ask any tennis enthusiasts what he thinks of tennis. You will get the answer that tennis has become a part of his life because of all or some of the reasons above. So, what are you waiting for? Sign up for your first tennis lesson and you will not look back again!. Happy Playing and Learning!

Why No One Talks About Resources Anymore

How to Choose a Acceptable Home Affliction Account Provider?

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