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.


Marianne Thyssen & Vera Jourová

EU Commissioner for Employment & Social Affairs


A better work life balance for Europe's future

May 2017

‘How can I combine my private and professional life?’ – All parents and carers are confronted with this basic question more than once in their career. And this is especially true for women.

Louis Olivieri

Marketing Specialist


The Importance of Value Pricing

April 2017

Pricing is always an important consideration in business, especially in an environment of cut-throat competition, when we think that the market is saturated and that customers look for nothing else but price. But are we sure that this is the reality?

Peter Zammit

Managing Director, iAS Limited


Building Bridges

March 2017

The aim of any bridge is to span from point A to point B, hopefully providing a shorter route and safe access. At iAS, we believe that bridges can serve as much more than a mere physical link between two points.

Maria Micallef

Managing Partner, RSM Malta


Bad news does not age well

March 2017

By now we are all familiar with the colossal mistake that occurred during the 2017 Oscars. In my 30-year profession, I have seen accountants blamed for many things, but it never occurred to me that we would also manage to give our two-penny worth at an Oscars event.

Elena Grech

Head of the European Commission Representation in Malta


Europe's 60th Birthday

March 2017

On 25th March, leaders of the 27 EU member states (UK excluded) will gather in Rome, together with Senior Representatives of the European Institutions, to mark the 60th anniversary of the signature of the Treaty of Rome. The timing of this special anniversary is almost Kafkaesque...