You may wish to invest for income or capital growth or a combination of both, but do you have an investment strategy? Have you considered how much risk you are prepared to take and what are your expectations of reward? Perhaps you have concerns about the performance of your existing investments and the risks you face in these uncertain times. If so, an assessment of your holdings is vital to determine whether they remain suitable for the changing market conditions with which we now live. Whatever your requirements, our consultants are ideally placed to help.
If you are investing for income, you should first consider the level of income that you require and balance this against the level of risk that you want to take with your investment. Many different investments provide income, but there are just as many questions to consider when choosing between them. On the other hand, if you want capital growth and your money is in a bank or building society account, you may think it is safe and growing, but in fact, it is vulnerable to a hidden danger: inflation. Even at an annual rate of only 3% inflation will cut the value of your money by a quarter over ten years. Whatever your particular objective, it is essential to aim for some long-term capital growth, and not rely solely on bank or building society interest.
Our service is designed to help you find the most appropriate and tax-efficient investments for your personal circumstances; to achieve a real return on your capital, ahead of inflation and in most cases benefit from a much better income, without taking any more risk than you feel comfortable with.
The value of investments can go down as well as up so you might not get back the full amount you invested.