Investments

Investment objectives

It is our role as an IFA to help you choose the right investments to help you meet your objectives. A good start is to give some thought as to what those objectives are. This is an area in which compromise and self-understanding are essential. Our professional, unbiased advisers can help you with this process.

Broadly speaking, everyone wants investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.

Sensible investment planning revolves around understanding what your investment aims are. The longer your investment is to be left alone (e.g., for retirement or a long-term specific event), usually, the higher the acceptable level of short-term risk. If, however, the money is needed in full in the near future (e.g. for a house deposit), then short-term safety is essential.

In short, we will help you determine an investment strategy appropriate for your needs and use the investments best suited to your attitude to risk, capacity for loss and tax position.

Our advisers will discuss all the different types of investments available to you, including ISAs, Unit Trusts, Bonds, etc., and with professional guidance, you will be able to agree upon which ones are best suited to you.

Is investment planning a one-time approach

The simple answer is maybe, but usually not. Most years, with changes in financial or government regulations, or both, investment rules do alter, and important action may be required. To make the best use of the available investments, it is usually best to review your situation periodically and ensure that no amendments or tweaks are needed to achieve either maximum tax efficiency or just to keep your financial plan on track.

All of the above can be discussed during an appointment with your adviser. For more information about any of the above, please email us using the Contact Us page.