The idea of ‘investment’ can mean different things to different people.

For you, it may mean something like “making my money grow” or “getting a decent income from my capital”. Those may seem like simple ideas but, in a world of low interest rates, achieving an investment return that meets your expectations may prove challenging.

Even in an economy with higher interest rates, such as those seen during the 1980s, the impact of tax and high inflation can work against savers too, combining to diminish the buying power of cash. Regardless of the wider economic backdrop, generating good investment returns has never been a simple matter.

To help you create the right portfolio of investments, we will work systematically through a series of questions. These are likely to be:

1. What are your investment objectives?

2. What level of risk are you prepared to accept and what potential level of loss can your finances tolerate?

3. What types of investments should you consider in light of your objectives and risk profile?

4. What is the most tax-efficient way of holding these investments?

5. How should your portfolio be managed on an ongoing basis?

Apart from the first two questions in the list, which can be tackled in the opposite order, the questions should be addressed sequentially. This is because each set of answers relates to the next set of questions (eg. your attitude to risk will influence your investment choices).

Your answers will prompt further, often more detailed, questions that will help us start shaping your plan.

Investing money needs careful consideration and you need to be absolutely sure of the risks involved. There are different types of saving & investments. For advice on your specific circumstances, please get in touch.

The value of investments and any income from them can fall as well as rise. You may not get back the amount originally invested.