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Our service is based on an individual assessment of attitudes and aims that will involve:
|||| long-term goals
|||| short-term goals, and
|||| the need for protection.
An important part of our service – and one which we take very seriously – is to understand your attitude towards different types of risk. These include:
|||| the possibility of investment values falling;
|||| the risk of investments volatility, at a time when you have little choice over when investments are encashed; and
|||| the risk of relative underperformance over the long or short-term.
There are various products available for investment from ISAs through to cash deposits, bonds (Corporate, Gilts and Government), real assets such as property and direct equities. All have advantages and disadvantages. The most common investments, other than your own home, are probably Individual Savings Account (ISAs) and Personal Equity Plans (PEPS). ISAs can offer major tax efficiencies and give you a good return for your money. You can currently invest in Cash, Life Assurance and Stocks and Shares.
Looking forward to a secure future is all about planning in advance.
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