We recognise the importance the investment strategy you follow will have on your life and your financial goals.
It is widely acknowledged that diversifying your investment between different asset classes is key, but in what proportions?
Many models exist for allocating monies between different asset classes, but often they are based on past experience which may not reflect current market conditions and do not offer scope to adapt to any extremes that may arise in the market. Asset allocation is important, but so is the ability to adapt to economic and market conditions.
We believe in putting a team of proven investment professionals in charge of the selection of individual funds, with an asset class mix that suits your specific objectives, targeted return and views on risk, with the scope to move within specific limits to take account of the current and potential future economic climate.
Both the asset mix and the individual funds are then frequently reviewed to ensure they remain suitable into the future. We also allow the freedom to significantly reduce risk in our client’s investment strategies in the event of severe economic downturn, rather than just leaving funds to fall with the market.
By seeking to understand your investment objectives, views and experience we aim to:-
- Target a suitable return, taking account of your specific objectives and risk tolerance without exposing you to any unnecessary risk or cost.
- Minimise the amount you have to pay in tax.
We will also take into account:-
- Your specific liquidity needs
- Your income requirements
- Your time horizons
- Any unique tax considerations
Selection of the most appropriate tax wrapper
We will ensure that given your objectives and personal tax position, the most appropriate tax wrappers are employed, which may include fully utilising tax efficient investments such as Individual Savings Accounts (ISAs), with remaining monies structured between investments where gains are maximised and are only subject to taxation depending on your exact tax circumstances.
The importance of Reviews
We will ensure that we review your investments with you regularly, to ensure that changes either to your circumstances or to legislation are taken into account within your investment strategy and that your investments remain on track to meet with your objectives.
Investment values can fall as well as rise and may get back less than you invest. Past performance is not a reliable indicator of future results.