LOM Financial (Bahamas) Limited

Asset diversification is a vital rule of thumb to mitigate risks associated with investing. Diversification, however, is not just about having a good mix of local stocks and various securities. Tapping into international markets, particularly emerging economies, should also be part of the whole asset allocation strategy. Here some important figures from Barron's : European and emerging market assets are more attractive than U.S. investments based on valuation, J.P. Morgan said in its outlook for the third quarter. The guide to investing notes that emerging markets have been the runaway winner, with a rise of nearly 19% as of June 30 (in dollars). EM is about 12% of the MSCI All-Country World Index. Here are some other regional returns as of June 30: a rise of nearly 12% for the all-country world index, 18.3% for Europe and 13.6% for Pacific ex-Japan. Among countries, China was a big winner, up 25% in dollars; India was up 20.5%; France, nearly 18%; and Germany, up 16%. Ru

If your day-to-day affairs revolve around the world of business, perhaps you’ve been hearing a lot about an alternative strategy, a risk financing technique that not only got everyone curious but has also introduced another perspective in business asset protection in the form of what they have termed as, ‘ captive insurance .’ So what is a captive insurance and what are the roles of this alternative insurer as a substitute risk financing provider?  In definition, a captive insurer is generally an insurance company that is exclusively owned and managed by its insureds—most of the time, by a parent company or a group of companies. Captive insurance can be generally divided into two main groups and they are basically distinguished by who owns and operates them. ‘Sponsored captives’ for instance are entirely maintained by an outside party that is unrelated to the insured while a ‘pure captive’ is wholly and purely owned and controlled by its insured. The latter is the most