When it comes to investing, where do you begin? There are so many ‘experts’ who tell you about the latest ‘hot tip’. But the reality is that no-one knows with any certainty what’s going to happen to the investment markets.
Investing money can seem so complicated which is a real shame because it doesn’t have to be and, frankly, if you want to see your money grow in the long-term it’s an essential part of your future financial security. Your investments should be part of your overall financial planning needs.
We’ll translate the complicated concepts and jargon in to terms you can understand and engage with. With us, you’ll know how your investments work which will give you a real sense of control over your money.
There are many different investment products available: Individual Savings Accounts (isas), corporate bonds, government bonds, investment bonds, General Investment Accounts, the list goes on!. We’ll help you identify the most suitable products for you but only in the context of your overall investment objectives.
High quality independent investment advice is something we believe is essential. Even if you think you have all the answers, you’re likely to find that getting a 2nd opinion is incredibly helpful. You should also know whether your adviser is independent or restricted.
How much risk is right for you?
How do you know what the right level of investment risk to take is? Well, there’s a balance that needs to be struck between how much risk you can AFFORD to take, NEED to take and FEEL about taking. Getting this balance is crucial with financial planning.
We’ll help you strike this balance. Part of our work with clients is to constantly monitor the level of risk you’re taking so you stay within your comfort levels.
Clear investment philosophy
We have a strong investment philosophy. We’re slightly geekish about this subject which should reassure you! We study what’s happening in the world of investments and this has resulted in our clear and easy to explain investment philosophy.
Put simply, we follow some straightforward but effective investment principles which include spreading your money far and wide, keeping costs low and minimising the tax you pay.
Process, not speculation
No one knows what the investment markets are going to do. Guessing doesn’t make a lot of sense to us. Instead, we follow a tried and tested investment process, that’s based on evidence and, over time, delivers results.
This doesn’t offer any guarantees (there are no guarantees with investing!) but it means you’ll have a clear understanding of what you own and how it tends to behave!
Costs & Tax
No-one likes to pay more in costs than they have to and, certainly, no-one wants to pay more than they have to! Part of the work we do with investments is to make sure you have low cost and tax-efficient arrangements.
This doesn’t mean cheap is always good. At the same time as considering the costs, we also look for quality and will help you find the balance.
Ethical?
Ethical investing is REALLY important for many people. We should all want to leave our planet In better shape than how we found it. We offer ethical investment options for all our clients so we can accommodate this important consideration.
Investing ethically comes with additional considerations that you need to be aware of and we’ll talk you through these in a simple and straightforward way.