INVESTMENTS
Investing for the future means taking time to understand client’s goals and aspirations, including timeframes and appetite for risk. We will aim to maximise your growth potential in the most tax efficient way possible.
What We Do
Whatever the circumstances, we will advise on portfolios of investment funds, typically held within tax wrappers such as ISAs, Pensions, Investment Accounts and Investment Bonds.
We will consider investing in Funds (Unit Trusts & OEICs), Investment Trusts and Exchange Traded Funds (ETFs).
We do not advise on Venture Capital Trusts, Enterprise Investment Schemes or any tax avoidance schemes.
On the same note, we do not provide advice on individual shares or any unregulated investment.
In circumstances where these products do not meet your needs, we will broaden our research to companies with other products and funds.
The small print...
Investments can fall as well as rise and you might not get back the original investment. Investments should be seen as a medium to long term financial investment. Tax treatment of investments wrappers can and may change in the future.
Our Approach
01.
OBJECTIVES AND RISK
We will take the time to thoroughly understand what you’re looking to achieve and the level of risk you are willing to take. These will then reflect the investments we recommend.
02.
RAINY DAY MONIES
Keeping an ‘emergency fund’ for a rainy day in the Bank is an important part of financial planning. It gives you peace of mind that you can access cash, in an emergency without having to sell investments at what might be the wrong time.
03.
DIVERSIFICATION
Different types of investments (assets) can behave differently to each other at different periods during your investment timeframe; therefore, we will combine a range of assets to help mitigate risk.
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04.
COST FOCUSSED
Unlike future performance, cost is known, and where possible, we will keep a tight lid on these as costs can be the difference between success and failure.
06.
MARKET KNOWLEDGE
We combine index-tracking funds with actively managed funds, where they invest differently to the index, giving you the best of both worlds.
We will not try to time the market, and anyone who claims they can, history would suggest they almost certainly can’t. And whilst past performance can be seductive, we will not chase performance as it is often a weak guide to the future.