Investment Planning and Advice
When you decide to invest your hard earned money, it should only be when you are ready - Stock Market investments are not for everyone. It is important that you seek advice to ensure your capital is being invested in the correct way to meet your goals and expectations. We always advise that you have an emergency cash fund to cover 12 months expenditure. You should review any debt before you invest.
Our investment process is designed to fully meet the needs and objectives of our clients. We utilise a wide range of investment solutions chosen from the whole of the market to meet our clients’ needs should be replaced with our recommendations will be based on an assessment of a range of relevant products that are sufficiently diversified in terms of type and provider to ensure your investment objectives can be suitably met. These range from full discretionary and bespoke investment options; to risk related model portfolios. Your financial adviser will work with you to assist with your wealth planning.
We will need to establish and discuss the following with you: current circumstances, goals and objectives, timescales, your attitude to risk / capacity for loss and what you expect the investment to achieve.
Your understanding of the risks involved in investing
It is important that when making decisions in relation to your financial planning that you are aware of and fully understand the potential risks involved e.g.
- Capital risk – not getting back as much of your money as you originally invested / losing some of the return already achieved.
- Income risk – where you are investing for income, the risk that the income level achieved is less than you had expected.
- Liquidity risk – not being able to get your money back when you need/want it.
When investing you need to take account of these risks and consequences that they may have.
Risk profiling is the process we use to initiate discussion on determining an appropriate investment strategy for you.
