Investment Advice
The changing conditions of recent years have demonstrated the need for good advice that can provide capital security, investment growth and or income whilst restricting your exposure to unnecessary risk. Interest rates have often been less than the rate of inflation meaning that the long term real value of money is at risk even if left on deposit.
Experience has taught us that good investment advice cannot be provided on a 'one size fits all' basis and we need to identify your objectives and then follow a systematic process in order to provide effective advice and ensure that you are matched with investments that are appropriate for you. These investments then need to be managed on an ongoing basis.
Our first task will be to assist you in identifying your investment objectives - what you want from your money. Different investors will have differing priorities and objectives. For one person, capital growth may be the predominant influence, whereas for another, income may be the driver. For most of us with a partner or family, avoidance of Inheritance Tax will also play a part in our thinking. We need to decide on the relative priority of our financial objectives and identify any specific needs in the future - for instance a foreign home at retirement or University fees provision.
Once these objectives have been identified we can examine the different ways of providing for them. We will explain the characteristics of the different investments available and highlight those most suitable for different objectives. All of us need an emergency fund and cash suits that purpose well but different approaches may be adopted for other aims such as planning for school fees or savings to be used for retirement.
We are great believers in diversification – put simply not having all of your eggs in one basket! Most of our clients will hold wealth in a mix of residential property, cash, UK shares, fixed interest assets, overseas companies and commercial property.
We need to be mindful of your attitude to risk as different investments bring varying degrees of security, risk to capital, income etc. Many advisers simply ask you to choose on a scale of 1 to 5 and surprise, surprise most opt for 3! We adopt a more analytical approach and use risk profiling tools that will explore both your appetite for investment gains but also your risk tolerance. This should help us identify investments that will be fit for purpose and allow you to sleep at night. More Information is given regarding our investment process in the section ‘Investment Process’.
We will also take into account any ethical criteria, and the tax opportunities and implications of your circumstances as they relate to different investments. Different tax wrappers such as ISAs, bonds, pensions etc. may be used to maximise the return with deft tax positioning.
Following this detailed personal review of your current financial position, aspirations and objectives, we will assess all of the above factors with you before making recommendations for your portfolio.
Wealth creation and management is an ongoing process and we suggest that your portfolio is reviewed regularly to ensure the best chance of your objectives being met.
If you would like a 'no obligation' chat about the choices available to you please contact us.
Experience has taught us that good investment advice cannot be provided on a 'one size fits all' basis and we need to identify your objectives and then follow a systematic process in order to provide effective advice and ensure that you are matched with investments that are appropriate for you. These investments then need to be managed on an ongoing basis.
Our first task will be to assist you in identifying your investment objectives - what you want from your money. Different investors will have differing priorities and objectives. For one person, capital growth may be the predominant influence, whereas for another, income may be the driver. For most of us with a partner or family, avoidance of Inheritance Tax will also play a part in our thinking. We need to decide on the relative priority of our financial objectives and identify any specific needs in the future - for instance a foreign home at retirement or University fees provision.
Once these objectives have been identified we can examine the different ways of providing for them. We will explain the characteristics of the different investments available and highlight those most suitable for different objectives. All of us need an emergency fund and cash suits that purpose well but different approaches may be adopted for other aims such as planning for school fees or savings to be used for retirement.
We are great believers in diversification – put simply not having all of your eggs in one basket! Most of our clients will hold wealth in a mix of residential property, cash, UK shares, fixed interest assets, overseas companies and commercial property.
We need to be mindful of your attitude to risk as different investments bring varying degrees of security, risk to capital, income etc. Many advisers simply ask you to choose on a scale of 1 to 5 and surprise, surprise most opt for 3! We adopt a more analytical approach and use risk profiling tools that will explore both your appetite for investment gains but also your risk tolerance. This should help us identify investments that will be fit for purpose and allow you to sleep at night. More Information is given regarding our investment process in the section ‘Investment Process’.
We will also take into account any ethical criteria, and the tax opportunities and implications of your circumstances as they relate to different investments. Different tax wrappers such as ISAs, bonds, pensions etc. may be used to maximise the return with deft tax positioning.
Following this detailed personal review of your current financial position, aspirations and objectives, we will assess all of the above factors with you before making recommendations for your portfolio.
Wealth creation and management is an ongoing process and we suggest that your portfolio is reviewed regularly to ensure the best chance of your objectives being met.
If you would like a 'no obligation' chat about the choices available to you please contact us.