Raymond Tannock, with a B.S. in Finance, has made a career of working in investment services. Now he is striking out on his own with plans to set up his own investment company - and slated to be called RAMDS Financial Services - within the next year.

He is currently pursuing his chartered financial analyst (CFA) designation.

Mr. Tannock, the father of four-year-old Treasure, also teaches children music through the Kindermusik programme on Saturdays.

How do you invest? Currently, I invest in stocks, mutual funds and bonds and in the near future, property.

What and when was your first ever investment? Bank of Bermuda shares - my father took me at an early age.

Do you do your own investing? Yes.

What was the best (most successful) investment you ever made? CISCO Systems - I purchased the stock before it ran up (in price).

What was the worst (least successful) investment you ever made? Looking at price, it was buying a second-hand Volkswagen convertible. I spent some money on that car.

What was the longest investment you ever made? Besides the Bank of Bermuda shares which I had for about six years, my longest investment has been General Electric, which I've owned for two years and counting.

What was the shortest investment you ever made? A company called Waverider (which is involved in wireless technology). It doubled in less than a week.

Most memorable investing moment? Buying stock for my daughter - passing on the tradition.

Biggest missed opportunity? Selling Yahoo! too soon. I had made a good return on it and sold it. Soon after the stock doubled in value, however one cannot be too greedy.

What would you never invest in? I would never invest in pyramid schemes. I don't trust them. I need to invest in companies and projects that show potential for growth and have real assets.