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DianMond Report · Decision Preparation

BEFORE YOU SAY YES

Questions to ask before an important wealth decision.

A free decision-preparation guide for private investors.

Understand your starting point. Know what to look for. Ask better questions before you decide.

What are you preparing for?

Scenario 01

A Large New Investment

I am considering investing a significant amount of money.

01

What to pay attention to

Whole-wealth impact
How the investment changes your overall wealth structure, not just the new position.
Concentration
Whether it creates or increases a significant single exposure.
Liquidity
How much readily available money would remain afterwards.
Currency exposure
Which currencies you would actually be exposed to.
Time horizon
How long the investment fits your plans and needs.
Downside risk
What could realistically cause significant loss.
Costs
Total costs of entering, holding and exiting.
Complexity
How easily you understand the structure and its risks.
Exit conditions
How easily you could sell or exit if circumstances change.
02

Questions worth asking

  1. 01How would this investment change my overall wealth structure?
  2. 02How large would this investment be relative to my total wealth?
  3. 03Which risks or exposures do I already have elsewhere?
  4. 04Would this create or increase a significant concentration?
  5. 05How much readily available liquidity would remain afterwards?
  6. 06Which currencies would I actually be exposed to?
  7. 07What could realistically cause this investment to lose significant value?
  8. 08What are the total costs of entering, holding and exiting the investment?
  9. 09How easily could I access or sell the investment if my circumstances changed?
  10. 10Which assumptions need to be true for this investment to work as expected?
03

Common blind spots

  • Looking at the new investment in isolation.
  • Underestimating exposures already held through other investments.
  • Focusing on expected return without considering downside.
  • Treating marketable assets as automatically liquid under all conditions.
  • Ignoring currency exposure.
  • Underestimating the importance of future cash needs.
04

What information to have ready

Current overview of assets
Existing investments
Liabilities and mortgages
Property and pension assets
Existing currency exposures
Planned investment amount
Expected time horizon
Potential future liquidity needs
DIANMOND WEALTH INTELLIGENCE

Before deciding what to add, understand what you already own.

Your financial decision does not exist in isolation. Property, pensions, cash, currencies, debt and other investments can change the picture.

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This page provides general educational questions and decision-preparation information. It does not provide investment, financial, tax or legal advice and does not recommend buying, selling or holding any financial product. Consider your own circumstances and obtain qualified professional advice where appropriate.