Josie Zahra has always been captivated by the dynamic world of financial services. From a young age he developed a keen interest in the way markets behaved and how investments worked. His father being a stalwart in the industry, undoubtedly fuelled his fascination. Today, Josie has established himself as a respected professional serving as a portfolio manager and investment advisor. He also leads the Research and Discretionary Portfolio Management Unit at MZ Investments, carving out his own distinguished career path.

“MZ Investments has grown significantly while staying true to its roots of personalised service,” Josie reflects on the company’s unique positioning in the market. With a respectable career in finance, Josie has become a pivotal figure in shaping MZ Investments’ direction and values, bridging the traditional tenets of the firm with innovative practices.

For 25 years, MZ Investments has built a solid reputation in the financial services sector. Starting from humble beginnings serving the financial needs of its community in Rabat and Dingli, to growing to a fully-fledged investment services provider offering a comprehensive suite of services.

“MZ Investments began as a small, family-run business and gradually grew to become a member of the Malta Stock Exchange steadily building momentum over the years. Today, we offer a full portfolio of investment services and products. Our team of dedicated professionals are the backbone of our success, ensuring clients receive the dependable support they need,” Josie highlights.

This growth is evident in the firm’s expanding and diversifying customer base, while retaining strong long-standing relationships with its original clients. “Even with our expansion, MZ has remained committed to fostering close connections with clients,” Josie shares. “Our founder and CEO continues to meet with clients personally, offering a level of attention that is not common in our industry. Every client—whether large or small—receives the same dedicated guidance and support, ensuring they feel like a valued member of the MZ family.”

As a newly appointed Director, Josie has taken on broader responsibilities, gaining greater oversight of the company’s overall operations, while remaining focused on driving meaningful change.

“Constant investment in technology and a relentless attention to client service are the core drivers to our growth. By staying ahead of industry trends while prioritizing a client-focused approach we ensure we remain strong and competitive in an ever-evolving market,” Josie explains.

One of MZ Investments’ hallmark services is discretionary portfolio management, enabling clients to delegate their investment decisions to skilled portfolio managers. These portfolio managers manage funds and make decisions on the client’s behalf, offering a solution ideal for those who lack the time or expertise to actively manage their own portfolios. “With this approach, we make informed decisions tailored to each client’s unique risk tolerance and financial goals, ensuring their investments align with their individual aspirations,” Josie explains.

Conversely, the company also provides bespoke portfolios tailored to clients with specific investment preferences, delivering customised solutions that align seamlessly with client expectations. “This approach is ideal for discerning clients, who have a clear vision of their investment objectives”, Josie explains. “MZ Investments ensures that each client feels supported throughout their journey, providing expert guidance and fostering a strong long-term professional relationship.”

Regulated investments remain one of the best options for saving money for the medium to long term. “We always emphasise the advantages of a diversified investment portfolio. Diversification is a fundamental strategy to manage risk while aiming for steady returns, offering stability and growth potential over the long term,” Josie explains.

Over the years, the company has built a robust framework to ensure adherence to best practices in governance, giving clients confidence that their hard-earned savings are managed to the highest standards. “Today MZ Investments has a comprehensive structure that includes the Board of Directors, Investment Committee, Compliance, Operations, Trading, Client Lifecycle and Research Teams. This ensures clients that they are partnering with a reputable, transparent firm that upholds ethical practices and regulatory compliance,” Josie affirms.

Looking forward, MZ Investments is focused on expanding its reach, particularly among younger clients. “Our continued investment in technology aligns with our goals, enabling us to deliver services that cater to a more diverse clientele. At the same time, we are committed to investing in our employees by offering training and team-building activities to cultivate a knowledgeable and cohesive team that can meet the challenges of an evolving market,” Josie concludes.

This article is intended for the general public and should not be construed as investment advice. The value of investments can go down as well as up, and you may not get back the amount originally invested.  All investments carry risks, and it is possible to lose money.

M.Z. Investment Services Limited of 63, MZ House, St Rita Street, Rabat RBT 1523, is regulated by the Malta Financial Services Authority and licensed to conduct investment services business in terms of the Investment Services Act (Cap. 370 of the Laws of Malta). MZ Investments is a member of the Malta Stock Exchange and is enrolled under the Insurance Distribution Act, Cap 487 of the Laws of Malta, as a Tied Insurance Intermediary for MAPFRE MSV Life p.l.c.