It is our role as an IFA to help you choose the right investments in order to help you meet your objectives.
What you need to give some thought to is what those objectives are. This is an area in which compromise and self understanding are essential. We can help you take a step back and see the bigger picture by assessing with you your priorities, recognising the necessary steps required to achieve your life goals. In addition you may have strong principles about where your money is invested for example on Ethical grounds or Social Responsibility.
Most people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.
Sensible investment planning revolves around understanding what your investment aims are.
Broadly speaking the longer you have to invest, (e.g. for retirement), the higher the level of short term risk you may take. If however the money is needed in full in the near future (e.g. for a house deposit) then short-term safety is essential.
Often people accumulate financial products ‘ad hoc’ throughout their lifetime. Changes in needs and circumstances over time, together with legislative and product developments mean that existing plans often need to be reviewed and amended, where necessary.
We are able to determine whether your existing plans are appropriate to your current needs. Our research department is able to source suitable products and devise investment strategies to reflect your time horizons and attitude to risk, making it our business to create embedded value.
In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude and tax position.
Note that valuations are not guaranteed and that past performance is not necessarily a guide to future performance. The prices of underlying investments can fall as well as rise.