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A Financial Strategy - for Business & Personal.

Success with a Financial Strategy.

Whether you are a wage or salary earner, casual worker, just between jobs or a business operator, you will need an understandable logical financial strategy to guide you in providing the financial resources you and your enterprise require for the rest of your life.

What is a Financial Strategy?

Simply put, it outlines a pathway for you & your business to follow so you will get from where you are today, to where you would like be at some point in the future.

It will identify & cost all the events that you think are likely to happen in the time, your income sources and other cost bases, and identify ways you and / or your business can move towards your stated future point. A very important element in identifying how to move forward, is to consider the risks involved in each element of the plan and propose risk mitigation & tolerance strategies for these, so that when (as always happens in life ) something unexpected happens, you future is not ruined and you are not living in stress.

Personal Financial Strategy.

Your financial strategy will therefore be unique to you, your current financial situation, your financial aspirations, and your own personal financial risk tolerance and personality,To be successful your personal financial strategy must consider all the major events and stages of life as you see them, the amount of financial risk you want to take with investments and debt, your desire to build a safe retirement fund, or save for your child's education. Events in your life play a key role in determining a personal financial strategy.

Common life events that require special consideration In a financial strategy may include ....

A lot more could be added to this list too, but it demonstrates the need of a solid plan to cater for all these and more financially significant lifestyle events.

In addition to providing you a pathway to navigate the big things in life, your financial strategy should assist and advise you in many of the day to day money matters we have to deal with ....

Business Financial Strategy.

The principal purpose of a business financial strategy is to ensure that finance is available as an when required so that the business can continue to grow and prosper.

One of the biggest impediments to the growth of a business is not having sufficient funds to support an increase in activity. For example, a business may require additional funds to cover anything from an increase in wages, increases in stock, additional plant and equipment, a new premise or a rent increase, to purchase a competitor or other business opportunity, or to ward off an unfriendly take-over.

The type of finance used to fund business growth may be very different from that used for capital purposes. As with any form of financing, it is important to match the finance facility with the purpose, to ensure that it does the job it is intended to do. You should never overlook your debtors and creditors as a source of funding - small changes here can often have dramatic results. Another important option to keep on the table is equity funding - selling shares in your business to a partner, staff, a competitor, or a silent investor.

If you are an import / export business with clients that also need financing, there are many good end-to-end trade financing options available , so that you can focus on your clients and products with the distraction of the details of financing the goods.

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