Asset allocation

Balancing risk versus return by adjusting the percentage of each asset in an investment portfolio

At Kubera Wealth, we work with clients to create investment strategies that aim to balance risk and reward by apportioning a portfolio’s assets according to an individual’s goals, risk tolerance and investment horizon. Continue reading

Visualising your financial future

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Make the most of your money to achieve your wealth objectives

In order to develop your financial plan, it’s essential to have complete clarity over your goals, your objectives and your motivations. Cash flow modelling illustrates what might happen to your finances in the future, and enables you to plan to ensure that you make the most of your money to achieve your wealth objectives. Continue reading

On a mission

There is no sweeter journey than one that leads you to new experiences

There is nothing wrong with wanting to visit the popular cities and countries of the world, but there is something unique and special in venturing off the worn path of travel destinations to appreciate the spots that aren’t talked about as often. Continue reading

How to thrive in an age of technological change

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Applying technology’s multiplier capabilities to your most important relationships

by Dan Sullivan

When I first entered the business world, an area where I didn’t see much emphasis placed was on relationships. Success in business worked like this: you knew the rules and your responsibilities, and there were specific measurements around the type of results you were expected to achieve in order to be considered successful. Continue reading

5 most expensive bottles of wine ever sold at auction

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1. 1947 French Cheval-Blanc – £192,000
An imperial bottle of 1947 Cheval Blanc was sold at auction for the respectable sum of £192,000 in November 2010 to a private collector at Christies, Geneva, setting a world record for the most expensive single bottle of wine ever sold at auction. Continue reading

SIPP freedom

One of the most tax-efficient ways of saving for retirement

If you want the freedom to manage your own investments that will enable you to achieve your retirement goals, a Self-Invested Personal Pension (SIPP) could be an option for you to consider. A SIPP is a pension ‘wrapper’ that holds investments until you retire and start to draw a retirement income. It is a type of personal pension and works in a similar way to a standard personal pension. The main difference is that with a SIPP, you have more flexibility with the investments you can choose. Continue reading

Book review – The Dan Sullivan Question

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Kubera Wealth reads and reviews a range of books written by entrepreneurs and life coaches to help you succeed in business and life

The Dan Sullivan Question by Dan Sullivan

What if there was one question, asked consistently, that could change the direction of your sales force or even your own personal sales efforts? Would you take advantage of it? Would you use it? Continue reading

Business travel

Eating well and staying active

There is nothing which has the potential to derail a nutrition plan quite like travelling on business. Even the most disciplined eaters can succumb to hectic schedules, limited access to healthy foods and a major change in routine. However, just as it’s important to plan ahead and control your eating environment at home, it’s equally important to implement a strategy for eating well and staying active while travelling. Continue reading

Have you discovered your palate?

Steps to becoming a wine tasting expert

For anyone who wishes to be able to evaluate and taste wine like an expert, there are a few simple tips you can follow. With that in mind, here is Kubera Wealth’s guide on how to taste wine like a professional and truly discover your palate.

Right environment

First of all, make sure you are in the right wine tasting environment. For example, a noisy or crowded room can affect your concentration, while any distracting smells can impede your achieving a clear sense of a wine’s aroma. You will also need the right glass – not a glass that is too small, the wrong shape or smells of detergent or dust. And there are other factors to take into consideration: what is the temperature of the wine? How old is the wine? Are there any residual flavours left from what you’ve been eating or drinking previously?

Sight test

Ensure that the glass is approximately one third full. Look straight down into the glass, hold the glass to the light and give it a tilt so the wine rolls toward its edges. This will allow you to see the wine’s complete colour range – and not just the dark centre – giving you a clue to the density and saturation of the wine. A murky wine may have chemical or fermentation problems, or it may just be a wine that was unfiltered or has some sediment due to be shaken up before being poured. A wine that shows some sparkle is always a good sign.

Tilting the glass so the wine thins out toward the rim will provide clues as to the wine’s age and weight. If the colour is pale and watery near its edge, this suggests that the wine is rather thin. If the colour looks tawny or brown (for a white wine) or orange or rusty brick (for a red wine), it is either an older wine or has been oxidised and may be past its prime.

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