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.


Daniel Bugeja

Business Doctor


The Importance of Assessing Staff Engagement Within Your Company

January 2018

Having strong engagement within a company yields better results in general

Joseph Micallef

Chief Operations Officer at BEAT


The Individual As The Driver Of Change

January 2018

Change remains one of the most topical – and in many ways, still controversial – aspects of organisational management.

George Mangion

Senior Partner, PKF Malta


The shifting sands of our financial services sector

January 2018

At a slow but unrelenting pace, the mood for change in Europe is getting stronger following the BEPS and ATID measures, not to mention the negative publicity from the PANA review.

Paul Bugeja

CEO of the Malta Tourism Authority


Sustaining the Valletta 2018 effect

December 2017

Now that Valletta 2018 is round the corner, it is satisfying to note that the build-up of marketing towards it has generated a positive effect for the Maltese islands.

Daniel Debono

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


2018: A Critical Year For The EU To Deliver

December 2017

When one looks back at President Juncker’s 10 political guidelines that were set at the beginning of his mandate, one concludes that this last Commission programme is a continuation of the work undertaken over the past four years, and aims to complete some of the political projects.

Louis Olivieri

Marketing Specialist


Corporate Anniversaries – More Than A Reason To Party

December 2017

It pays organisations to capitalise on special occasions with elements which contribute to and/or are compatible with the reasons for their existence and growth path.