Savings & Investments
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 how long for. 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 all investment types including:
- Individual Savings Accounts (ISA's)
- Investment Bonds
- Unit Trusts
- Open Ended Investment Contracts (OEICs)
- Investment Trusts
- Ethical Investments
When designing your investment portfolio, we take into account key considerations before recommending the correct 'home' for your money, including:
- How much do you want to invest/save?
- Do you need an income?
- How long is the money invested for?
- What is your attitude to risk?
- What are the taxation implications?
Since we are completely impartial, we select products from the entire market place and always take into account all relevant factors such as the economic outlook, tax implications, past performance, product charges, the fund managers' 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.