It starts with understanding your financial ambitions. This might involve working towards a particular goal, or helping loved ones down the line. Our experts can then recommend the investment products they believe will match your aims and expectations, taking into consideration:
- your ability to make regular payments
- any one-off investments you could make
- your level of comfort regarding market volatility and risk to your money
- for how long you’re looking to invest for
We’re guided by key principles
Understanding your tolerance to risk
With investing, there’s always a level of risk to consider. By taking on some risk, you hope that your money will grow in value over the long term, but you could also end up with less than you originally invested. We’ll help you understand how comfortable you are with risk and how this relates to your financial goals, so we can help you make the most suitable investment decisions.
Spreading the risk
We’ll often recommend spreading investments across different asset classes such as stocks and shares, bonds and property. In our world, this is called diversification, and it means ‘not putting all your eggs in one basket’. Different investments behave in different ways over time, and the longer you leave your money invested, the more chance it has to ride out any ups and downs in markets.
Remember your money can go down as well as up in value. This means you could get back less than you paid in.
Our policy is simple – we invest your money within specialist funds across several investment managers. The funds aim to achieve returns in line with well-defined risk parameters. By investing in this way, we can deliver a well-diversified range of investments to match your attitude to risk.
- Advice grounded in industry knowledge and expertise
Our experts can recommend how to split your money, and we’ll revisit this with you during your financial review or if your circumstances change, making sure everything’s on track for your long-term plan. We’ll also help you make the most of any tax allowances available to you, for example by investing through an ISA (Individual Savings Account). You can take comfort knowing there’s someone who’s looking out for your financial future, with your best interests at heart.