Joyce Tabone

PR & Marketing, Bank of Valletta

Joyce Tabone is passionate about communication. Be it through words or pictures, her key objective is that the message gets across from one point to the other. As the financial services world becomes increasingly complex, communication becomes all the more important, and Joyce is at her happiest when she’s helping to bridge the gap between the Bank and the market, using digital platforms to act as a bridge rather than a divide. Joyce works within the PR & Marketing team at Bank of Valletta.


To invest or not to invest: Part 2

Friday 10th February 2017

Following the questions in Part 1, here are a few more questions you should ask yourself when thinking of investing.

What are my goals and timeline for investing?

Your investment time frame should provide clear guidance for deciding which investments to choose. Generally, investors have different goals at different stages during their life. The old saying ‘time is money’ sums up precisely why it is important to invest in the long term. Retrospectively, it is evident that investing with a long-term perspective pays off.

What level of risk am I comfortable with?

When developing your investment plan, you should identify and understand the potential risks. As a rule of thumb, if you are afraid of losing your capital, you should think twice before investing in risky assets.

There is a very basic investment principle that you should take note of – the higher the risk potentially leads to higher returns, whilst the lower the risk potentially results in lower returns. Spreading your funds across a spectrum of investments is one of the best ways to mitigate risk and protect against sudden falls in any particular market, sector, or individual investment. With a diversified portfolio of investments, returns from better performing investments can help offset those that under perform.

What are the different methods available for investing, and what are the related costs?

You should consider investing directly if you prefer to manage your own portfolio. Costs may vary depending on how you invest. Investing in collective investment schemes may incur additional costs, such as initial charges, exit fees, and annual management fees. You should also consider the broker’s fees whenever you invest directly in securities, such as equities or bonds.

Alternatively, a financial advisor can help you to build a portfolio that has a fit within your risk profile and return requirements. If you receive investment advice, you may also bear the cost of that advice or service.

As Warren Buffet said, “Investing is laying out money now to get more money back in the future.” You should think of investing as a marathon rather than a sprint, whilst looking to grow your wealth over time and not overnight.


Louis Olivieri

Marketing Specialist


Why Marketing is a People Business – A Personal Point of View

September 2017

"I am a believer that marketing is a people business."

Daniel Debono

EU affairs manager, Head of Brussels operations, Malta Business Bureau


The Future for all is Europe

August 2017

Over the past decade the EU was unknowingly on track – or most would say in denial – towards a slow and natural death.

Peter Zammit

Managing Director, iAS Limited


Why Designers Should Consider Health And Safety

August 2017

61 per cent of deaths at work and 15 per cent of serious injuries in Malta occur within the construction industry - a disproportionately high figure, considering that the construction industry accounts for only 7 per cent of the Maltese workforce.

Frank V. Farrugia

President of the Malta Chamber of Commerce, Enterprise and Industry.


Grassroot-Level Issues At Top-Most Priority

August 2017

It was my great pleasure as President of the Malta Chamber to welcome the Prime Minister of Malta Dr Joseph Muscat, and a vast portion of his cabinet recently, for a meeting with the Council of the Malta Chamber.

Nadine Pecorella

Co-founder, Bloom!


The Business Value of Meetings

August 2017

Business meetings yield real, tangible bottom-line results that can’t be achieved any other way.

Etienne Borg Cardona

Founding partner, Capital Advisory Limited


Family Business Succession - Not The Whole Story

August 2017

Family firms are in fashion. Everyone seems to like them – management thinkers, politicians and the public. Everyone, that is, except the next generation.