Investment Planning

Sometimes you may be looking for growth from your savings, sometimes you may be looking for income or you may be looking for a combination of both.  Whatever your investment planning goal, it is especially important that you invest in a strategy that is totally aligned to your personal attitude to investment risk. Getting this fundamental step wrong can be problematic. It could mean that your capital is not achieving the level of growth that you desire, or you may be exposed to too much risk and your capital may experience more volatility that you are comfortable with.

People often think that their money held on deposit in their bank account is risk free, this statement is sometimes incorrect. If the rate of interest that you are receiving is less that the rate of inflation, the spending power of your capital could be eroded over time. We refer to this as inflation risk.

Establishing the correct strategy to your investment planning is crucial to ensure that your future intentions or goals are met.

Our advice process will look to ensure that we create the correct strategy that is matched to your personal specific needs.

There are various investment vehicles that are available in the marketplace, each of which have their own specific characteristics and benefits. We can access numerous schemes, from capital safe investments to the schemes that can potentially provide higher performance. This however can only be achieved after we have assessed your needs. Our recommendation will be based on a comprehensive and fair analysis of the market.

We pride ourselves on being able to demystify the jargon and text, thus helping you to fully understand how an investment works and what risks you may encounter. Being fully independent means that we can source suitable investment vehicles from the whole of market, particularly the investments that are most suited to your needs and goals.

It is sometimes said that the greater the risk the greater the potential return or the lower the risk the lower the potential return. It is also said that you should not put all your eggs in one basket. Therefore, if you look to invest your capital into a portfolio of funds that are invested across multiple asset classes run by fund managers with different investment styles. It can help to provide a degree of diversification and balance your investment.  

When you have a balanced portfolio, if some of the assets fall due to market conditions, others could rise an equal amount in compensation, thus helping to further mitigate some of the risks. The value of investments will be linked to the performance of the funds that have been selected.  Therefore, it is important to understand that your capital is at risk. The value of your investment and any income you receive from them can go down as well as up and you may not get back the full amount you invested.

To ensure that your investment remains on track and suitable to your ongoing needs, we recommend that you undertake a regular review of plan. Our ongoing service proposition has been put together to keep you fully up to date in relation to your plan and to allow you to make any changes that may need to be undertaken. Our Annual review service can offer some or all the following benefits-:

• An in-depth review of how your plan is performing.

• A review of your current attitude to investment risk to ensure your plan is aligned to this.

• An opportunity to discuss and review and potential tax changes that may benefit you.

• A review of any gaps that you may have within your overall financial planning needs.

• An in-depth review of the funds that make up your investment to ensure they remain suitable.

When you think about it, you meet with your dentist at regular intervals throughout the year to maintain your overall health. Our ongoing service proposition is designed to provide you with the opportunity to ensure your investment remains healthy. There is a fee payable for our ongoing service and you can cancel this service at any time. Please ask for more information if you would like to know more about this option.

Wealth Warning Statements

The value of investments, and income from them may go down as well as up. You may not get back the original amount invested.

The volume of your investments or pensions can fall as well as rise and you may not get back the original amount invested.

A pension is a long-term investment, the fund may fluctuate and can go down.  Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

The levels, basis and reliefs from taxation are subject to the individual circumstances of the investor and may be subject to future change.

The performance of your investments is subject to risk(s). Its performance may fluctuate based on movements in the market and economic condition(s). Capital at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of the future performance.