Deciding how to invest money can be an overwhelming task for many. As independent advisers, we have freedom of thought and true objectivity to explore investment strategies tailored specifically for you.
Often monies are available for investment through loss of a loved one, a life changing trauma, or simply prudent saving or the sale of another asset. There can be strong emotions attached to the decision making process that, without the support of an adviser, can thwart progress. We can help you understand the options available to you and we can recommend the most appropriate solution for your needs and objectives. Where appropriate, we will work closely with Attorneys or Trustees in formulating an investment strategy, ensuring all their legal obligations are met.
Before making any recommendations, your investment risk tolerance will be discussed and assessed and then tested using modern psychometric techniques. When considering the appropriate level of investment risk to take, it is important to focus on the potential of negative returns as well as the potential for positive returns. Objectives and timescales to achieve them are also important considerations – for example, more risk may be taken for a longer-term objective such as retirement planning, whereas less risk or no risk may be more desirable for short-term objectives.
The second step is to ensure that you have enough liquid funds available as an emergency fund. These funds are usually held in an instant access deposit account or Cash ISA.
Once the amount remaining available for savings or investment has been established, we will guide you through your options. We consider your tax position and access requirements, in conjunction with your risk tolerance and objectives, and recommend a suitable solution for you.
Regular reviews to keep you on course
We use a range of investment solutions from single funds to managed portfolios and both passive and active investments. Our aim is to provide solutions that behave as expected over a period of time and to avoid any unpleasant surprises. It is recommended that savings and investments are reviewed on a regular basis.
The value of investments and the income from them can go down as well as up and you may get back less than you have invested.