Whether you wish to invest a lump sum or save a regular amount to build up a sum of money, we can help you understand the options available to you and we can recommend the most appropriate solution for your needs and objectives.
Before making any recommendations, your investment risk tolerance will be discussed and assessed and then tested using modern psychometric techniques. When considering the level of 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 such as saving for a new car or holiday.
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 taking into account 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 put in.