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Re-aligning investment portfolios in uncertain times
01 Jun 2020
Possibly the biggest blow since World War II, the corona virus has created an environment where the only certainty is uncertainty. How long it will take the world to get over it no one knows. However we are seeing some light at the end of the tunnel with restrictions gradually being lifted across continents.  

Investment in these uncertain times might seem like frivolous talk. But it may actually be the right time to rethink strategies, realign portfolios and review your portfolio situation. While the present may seem bleak, there are nonetheless opportunities that will interest the savvy investor. 

As investors try to pre-empt and see where the bottom prices of various investments might be no one can predict nor foretell where the bottom prices for individual investments lie.  Can this ‘market correction’ be viewed as an opportunity to buy into markets at a ‘discounted’ price? Nothing more expensive than a missed opportunity – this is the ethos of survival that we need to follow in the current scenario. 

Spreading risks makes more sense today than ever before and a strategic realignment of your portfolio might open up new prospects. By spreading risks, collectively, investments will ‘cushion’ each other, even when not necessarily every move ends up to be a winner. 

Let us extend this thinking into the context of markets and the companies within. Markets and companies have taken a blow globally. Adaptation is the name of the game here; it is not simply a game of survival of the fittest but whether you are able to, and how quickly you can adapt. Companies that managed to turn around their operations, thus creating an opportunity out of a threatening scenario, have better survival opportunities than counterparties who opted to do nothing. 

There are winning decisions which will make sense across most scenarios. Then there are moves which, try-as-you may, will still be a betting game. Phasing amounts invested and drip investing should be considered so as to reduce the ‘gambling’ effect especially in uncertain times.  Risks cannot be avoided – no one could have foretold the extent a pandemic would cause globally across various industries. But adequate precautionary measures can help balance that risk.

These may be unprecedented times for the majority, however this is not a dead end road. The very nature of humanity is to survive and humans have always found ways to recover and solutions for adverse situations. 

Opportunities for investments might simply be round the corner.  Talk to your trusted Financial Advisor, discuss strategic moves and portfolio realignment to maximise your returns and minimise your risks.  The BOV Investment Centres have a team of professional Financial Advisors who will support your investment goals by providing you with tailored financial advice and long-term relationship management. Contact details can be found here.

Article was published on the Sunday Times of Malta on Sunday 31 May.  It was written by Stephanie Agius, BOV Wealth Management.
This article is not, and nothing in it should be construed as an offer, invitation or recommendation in respect of investment products or services offered by the BOV Group.  Value of investments may go down as well as up and may be affected by changes in currency exchange rates. Past performance is not a guide to future performance. Issued by Bank of Valletta p.l.c., 58, Triq San Żakkarija, il-Belt Valletta VLT 1130.  Bank of Valletta p.l.c. is a public limited company regulated by the MFSA, licensed to carry out the business of banking and investment services in terms of the Banking and Investment Services Acts (Cap.370, 371 of the Laws of Malta).
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Bank of Valletta p.l.c. is a public limited company regulated by the MFSA and is licensed to carry out the business of banking and investment services in terms of the Banking Act (Cap. 371 of the Laws of Malta) and the Investment Services Act (Cap.370. of the Laws of Malta).