Investment

Investing your hard earned money is not something to be done lightly. 

Before we recommend an investment to you, we will carefully discuss your own unique circumstances, and your requirements – whether for capital growth or for income – and ensure that you have a solid understanding of what is involved. 

It is generally assumed that only cash is 100% safe, though the events of recent years have sometimes tested even that assumption!  Of course, the problem with holding cash is that interest rates are often so poor that real returns to investors can be low or even non-existent.  Nevertheless, we believe that most investors should retain a significant proportion of their wealth in cash, for security and access. 

Inflation however is one great enemy of investors, and it is generally considered sensible to invest more widely, in assets with the potential to achieve rates of return above inflation.  

Beware of the temptation to invest on the assumption that the past performance of an investment fund will necessarily continue.  There are many factors to consider, and it is wise to diversify investments in order to spread risk – which is always present to some degree.

We will often recommend that you invest with more than one fund manager – and will generally arrange with you to review your investments annually, so that we can jointly consider replacing any underperforming funds.

We constantly research investment funds and, throughout the year, our advisers attend numerous investment seminars.  This enables us to meet leading fund managers face to face, and assess their ability to look after your investments; and our own.

Taxation is another great enemy of investors, so your personal tax situation will always be taken into account when we advise you. 

Long experience has taught us that great care needs to be taken when selecting from the literally thousands of investments and investment funds available.  We have a strong preference towards recommending funds from large investment institutions, run by managers who have already been successful for many years, and in whom we retain confidence for the future.    

Investing can be complex – and can certainly be risky.  However, if it is done well, investment can lead to substantial improvements in financial circumstances and lifestyle. 

Should you think that we may be of assistance, please feel free to arrange a discussion with one of our advisers.

Past performance is not in itself a reliable guide to future performance.  The value of investments and any income from them may fall as well as rise, and you may not get back as much as you invest.

For more information on our services, call us free on 0800 783 6748, (may not be free from all telephones i.e. mobile phones) or e-mail one of our advisers direct via the contacts page.