Investments can take many forms but are generally categorised as either 'equity' or 'fixed interest', 'growth' or 'income', 'short-term' or 'long-term', 'domestic' or 'international' etc, but don't worry if these diverse terms mean nothing to you - that's where we come in. The types of investment you choose will depend upon what you need and for how long. We understand that all clients have a different attitude to risk depending on their personal circumstances and preferences and also that the tax treatment of each product can be an important consideration. To make the best recommendation for you, we advise on a range of different investment types including:
Individual Savings Accounts (ISAs)
Open Ended Investment Contracts (OEICs)
When designing your investment portfolio, we take into account key considerations before recommending the correct 'home' for your money, including:
Your personal/family circumstances and preferences
How much you want to save/invest?
Whether you need growth and/or income?
How long the money is to be invested for?
Since we are completely impartial, we select products from the entire marketplace and always take into account all relevant factors such as the economic outlook, tax implications, past performance, product charges, the Fund Manager’s investment style and, most importantly, your attitude to risk.
It is our role as an IFA to help you choose the right investments out of all those above, in order to help you meet your objectives. What you need to consider is what those objectives are. This is an area where compromise, self understanding and self-honesty are essential.
Everybody wants investments which cannot fail, and which continuously offer high returns. Unfortunately this ideal combination is not often available in the real world. Sensible investment planning revolves around understanding what your investment aims really are.
In short, we will help you determine an investment strategy appropriate for your needs, and use the investments best suited to your investment attitude and tax position.