Top-ranked tech stocks leading the race to the trillion-dollar market cap

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The biggest tech companies in the world have all started small, growing from their humble beginnings to finally bloom into the multi-billion brands that we now know today – and the investors who believed in their stocks’ potential are finally reaping the fruits of their labor. For investment firms like LOM Financial, these companies can play a massive role in anyone’s portfolio.

These are the leading tech companies that you should have invested in decades ago that are now leading the trillion-dollar market cap race today.

Apple Inc.

People who have invested in Apple Inc. stocks years ago would have probably raked in over seven times the value of their initial investment – and it’s still leading the rally among the world’s largest tech stocks this year. The company has become the first US company to breach the $1 trillion mark in market capitalization. This follows a sudden surge in its stock after reporting strong Q3 earnings that saw the tech giant surpass both its own projections and analysts’ estimates.


Currently holding a total of $866 billion in market capitalization, Amazon (AMZN) is a constant in the top tech stocks ranking. For starters, the company is already a leader in innovations of cloud-computing infrastructure, dominating global market shares for years.

The company is not only a leader in the tech industry but it also plans to infiltrate other markets and industries, disrupting by undercutting competitor prices.

Microsoft and Google

Currently valued with a market capitalization of $815 billion, Microsoft (MSFT) is included in the world’s list of the most valuable tech companies in the world, while its all-time rival, Google’s (GOOGL) parent company, Alphabet is presently valued with a market cap of over $840 billion.

The two tech giants’ shifting positions over the years have been carefully observed by experts and investors, with Microsoft making headlines when it surpassed Google’s market value in May of 2018.

IMF Economic overview: What is in store for the Asia Pacific region in 2018?

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As the global economy looks forward to a stronger growth, the Asia Pacific Region (APR) is expected to reflect the same optimism. This is according to the recent report released by the International Monetary Fund (IMF), emphasizing that the APR remains the most economically dynamic region among its global peers. Moreover, the region is of immense interest among investment institutions, including offshore portfolio management companies like LOM Financial.

The same report reveals that the overall growth in Asia through 2018 and 2019 is forecast at 5.6%. Inflation in the region, on the other hand, is predicted to be subdued. Unsurprisingly, the changes in the U.S. policies will support the region’s investments and exports efforts. Moreover, accommodative financial conditions are projected to support domestic demand.

Since last year’s economic overview of APR, the region has seen an improvement in their near-term prospects while at the same time, neutralizing the risks predicted from the last regional update. However, when it comes to the medium-term prospects, downside risks such as the tightening of the world’s financial conditions, the focus on perfectionist policies, and the global political tensions are still dominating.

The effects of these risks are directly affecting many Asian economies, and thus empowering calls for structural reforms. These reforms can be the most effective countermeasures that will readily address both medium and long-term risks that include population aging and decreased productivity and growth.

Asia is already known as a leader in the digital revolution for many other industries and the said reforms have the power to also boost the economy of the Asia Pacific region especially with the growing potential of digitization and other emerging technologies that are slowly transforming the global economy.

Emerging trends that are driving the future of the global job markets

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Digital technology has created a whole new way of life for everyone, transforming not just how people engage and socialize, but also changing how we work and make a living. And these transformations are evident in the recent trends that are dominating today’s global job markets.

Here are some of the most recent trends that are dramatically changing the direction of the international labor markets.

  1. The rise of the digital nomads

Freelancing and online working platforms are abundant in today’s gig economy where temporary, flexible and easily accessible jobs are available to anyone in the globe – as long as they have the tools, the skills, and other resources to get connected. Here, independent contractors and freelancers make up a huge percentage of the workers’ population, and this trend is not showing any sign of slowing down.

  1. Impacts of AI and automation

The roles of technological advancements more specifically artificial intelligence and automation will continue to have direct effects on employment opportunities in the future and beyond. The Fast Food and Retail Industries that house the biggest employers in the jobs market, for instance, have been slowly transitioning to automated ordering systems, warehouse order pickers, and even chatbots in place of human customer support.

  1. Job growth in non-tech industries

Technology is not only the main champion of job creation in 2018 and the rapid expansion of non-tech jobs such as healthcare and other traditionally non-tech sectors are still holding a place on the podium. This also includes job opportunities from industries that cannot easily be controlled by automation such as trucking, hospitality, healthcare, to name a few.

For more insights about the job market, the economy, investing, and other financial matters, visit LOM Financial’s news page.

Why high net-worth individuals turn to offshore private banking

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One of the most in-demand offshore financial services today, especially for high net-worth individuals, is offshore private banking. While this service shares almost the same basic offerings with traditional banks, there are defining characteristics and personalized options that make it attractive, especially to the uber-wealthy.

In definition, offshore private banking offers not just banking services but also investment services and financial advice to private clients. Client accounts are not just for individuals, but they can also represent even a group. Because these clients own extremely large assets, the need for a banking manager’s expertise as well as the confidentiality that goes with it is of utmost importance.

Basically, a business manager guides and assists clients in making financial decisions for their assets under a personalized financial strategy. Furthermore, these experts manage their client’s wealth in an offshore environment, in full confidentiality.

Most importantly, what makes this type of banking stand out is their focus on financial strategies specially tailored to their client’s specific short term and long term financial goals.

There are several offshore financial centers that offer these services like financial centers around the Caribbean region such as the Bahamas, Cayman Islands, Bermuda (where award-winning company LOM Financial is headquartered), and even cities in Asia like Hong Kong. European countries such as Switzerland are also popular choices for offshore private banking services, especially for international clients.

Opening an offshore private banking account is easy as long as the value of your assets qualifies the requirements set by private banking services. Depending on your wealth, you’ll enjoy services such as personalized financial plans, your own account manager, and even the options to negotiate rates, commissions, and more.

Increasingly virtual: Today’s most disruptive digital industries

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Digital technology used to be just a medium that catered to consumers looking for entertainment and leisure, but a growing trend of new innovations has made it more than what it was initially created to be. Today, digital industries are disrupting even the most stubborn sectors, creating a future where digitization reigns supreme. Among technology stocks, digital companies are making it big. Here are some of the most important digital industries today.

Digital marketing

Marketing has come a long way from its traditional marketing campaigns. In digital marketing, products and brands are promoted through electronic media, reaching millions of potential consumers with just a click of a button. It also offers the ability to analyze trends, generate leads, calculate conversions—all in real-time. Most importantly, customers have easy access to product and service information, wherever they are in the world. This enables direct communication between the seller and consumer, providing an environment of trust even in an entirely virtual setting.

Software development

The industry emphasizes the importance of gathering data to develop, maintain and publish software based on different business models that can help improve efficiency and productivity. Indeed, modern products of the software development sectors offer more accurate, faster and not to mention cost-effective programs that have helped introduce many organizations, private, commercial and public, to digitization and modernization.


Buying and selling of products and services have been made easier through funds and data transmittal via electronic channels. Thanks to the power and accessibility of the internet, the global e-commerce is now a billion-dollar industry. Variety and convenience were the two things that the e-commerce industry first offered to their millions of online customers but recent disruptions are not just focused on these fundamental aspects but also in prioritizing consumer experience and interaction.

The most disruptive Internet companies today

The world has seen different transformations across several industries for the past decade and it’s all thanks to one important innovation that connected everything and everyone around the globe: the Internet. As it rose to popularity, several Internet platforms have been introduced in the forms of software, websites, and applications that have not only helped improved people’s lives but also given birth to the most disruptive companies that continue to drive the future to greater heights. In fact, many of them have become huge tech brands that they eventually became important components of many investment portfolios, including offshore mutual funds. Take a look at some of the leading Internet-based companies today:

Uber Technologies Inc.

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Uber Technologies is a California-based taxi technology company known for its car transportation and food delivery mobile apps. It was founded in 2008 and is currently operating in over 600 cities worldwide. The company’s estimated revenue was reported to have reached 6.5 billion USD in 2016.


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Netflix is ranked 10th among the world’s largest internet companies in terms of revenue. It was founded in 1997 and started its operations in the United States. Based on a 2017 statistics, it has over 117.5 million streaming subscribers from around the world. This American company provides video and media streaming services both online and offline.


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In terms of revenue, the Chinese multinational Internet company Alibaba is ranked the 6th largest in the world. It was a small startup founded by Jack Ma in 1999 from his apartment in Hangzhou, China – the same city where the company’s headquarters is now located. The company is a recognized innovator in the world e-commerce, internet, retail and AI technology. One of the reasons for Alibaba’s success, according to experts, is its unique business model as well as the company’s unconventional profit model.  

What billionaires do in their free time will surprise you

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Almost everyone knows the success stories of some of the world’s wealthiest individuals but have you ever wondered how their life is like beyond what you see or read about online?

Not surprisingly, just like ordinary folks, high net-worth individuals (HNWIs) also need some time to escape from the everyday routine and pursue their passion outside work – but unlike normal people, they do it on a grander scale.

According to a recent Wealth-X study focusing on ultra-high net worth (UHNW) individuals, these are the top three passions and interests of the planet’s richest people:

  1. Art

Most billionaires possess an exquisite work of art and collecting the world’s rarest visual and artistic creations has been one of the top passions of many ultra-rich people. Some of them invest in thousand to million-dollar worth of art works not just as a way to diversify their portfolio but to simply have the full right to claim ownership to a beautiful masterpiece.

  1. Sports

Just like ordinary individuals, the ultra-rich love sports and they would invest not only their money but also their time just to support their favorite teams. In fact, their passion for the games also make them want to play it themselves. Some examples of popular sports among the wealthy are yachting, football (soccer), golf, tennis, and skiing.

  1. Philanthropy

Topping the list of the most popular hobbies of the uber-wealthy is philanthropy. According to the same study, more than a third of the world’s richest support and organize charitable activities. Many high net-worth individuals have been known to provide generous funding for humanitarian causes, child education, medical research, and even scholarship grants through several foundations. Examples of famous philanthropists are Bill and Melinda Gates, Warren Buffett, Carlos Slim Helú, and Li Ka-shing.

Why successful individuals invest in offshore mutual funds

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Success stories are often described as something achieved by hard work, perseverance, and having the right connections. However, not everyone knows that the most successful people in the world have relied on one strategic move that has not only made them financially stronger, but has also helped them grow their wealth over time: investing in offshore mutual funds.

In definition, offshore mutual funds refer to a collective investment system strategically situated in offshore financial centers (OFC) where non-resident investors can enjoy an attractive list of benefits: little or no tax liabilities in the jurisdiction, geographic diversification, and asset protection and privacy. Let’s take a closer look at the major benefits of investing in offshore mutual funds.

Low to neutral tax liabilities

Investing in offshore mutual funds means enjoying its primary incentive: favorable and most of the time, zero tax rates. This is because of the government’s initiatives to promote healthy and more attractive investments. Since these small countries have relatively few resources of their own, they have focused on attracting wealth from the outside to effectively boost their economic activity.

Smaller stakes with bigger potential returns

Investing in offshore mutual funds have been attractive to investors around the world because knowledgeable fund managers are able to outperform onshore funds. LOM Financial’s mutual funds, for example, have consistently posted strong growth figures year after year. The company’s investment experts have experience in managing the nuances of mutual funds for the last two decades, proven by the funds’ impressive track records of out-performing their benchmarks on a consistent basis.

Effective Portfolio Diversification

Many financial and investment experts believe that diversifying one’s investment portfolio is an effective way to improve one’s risk-adjusted returns—and investing offshore can add more to the list of its benefits. Offshore mutual funds offer investors opportunities to create a diversified portfolio.

Secrecy Policies and Regulations

Offshore centers provide the liberty in regard to regulations as well as policies that allow security and privacy of investors’ assets.  With these investor driven regulations, the process of establishing and more importantly, administering funds, are simplified.

These advantages mean less paperwork, reduced headaches, and worry.