Objectives and motivations
Assessing current and forecasted wealth Every important journey has a destination. Similarly, every investment should have a goal, and each goal should be time based. Quantifying the amount of money needed to achieve that goal is important.
Inflation matters
Guarding against rising inflation eating away at your investments Understanding inflation is an important factor when it comes to investing and your financial success. If you don’t factor inflation in when deciding where to put your money – whether that’s savings accounts or investing – you could find your wealth shrinks over the years.
Talking through your financial objectives
Knowing yourself, your needs and goals, and your appetite for risk is essential A financial review is a great way to take a fresh look at your finances and plan for the journey ahead. More importantly, it enables you to talk through your long-term financial objectives and discuss with us a way forward to deliver […]
Goal-based investment strategy
Investing is a lifelong process, and the sooner you start, the better A lifestyle financial plan has no value unless it is properly implemented through an appropriate goal-based investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for between at least three to six […]
Focusing on long-term horizons
A strategy that reflects your risk tolerance and time horizon Trying to second-guess how events will impact on markets – or even attempting to make a bet on them – rarely pays off. Instead, investors who focus on long-term horizons – at least five to ten years – have historically fared much better.
Risk for return
Improving your chances of achieving your investment goals If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals.
Navigating the ups and downs of the market
Maintaining a clear purpose for your investment strategy Without a plan, investors are prone to making knee-jerk reactions when there are swings in the market. A well thought-out investment strategy provides the guidance needed to help you stay on track when inevitable market fluctuation occurs. It can also point you towards the types of investments […]
Asset allocation
Potential returns available from different kinds of investment Understanding investment risk and determining what level of risk you feel comfortable with before you invest is an important part of the investment decision process. Your potential returns available from different kinds of investment, and the risks involved, change over time as a result of economic, political […]
Evolution of ESG investing
Changing face of investor ethics and behaviours The coronavirus (COVID-19) pandemic has prompted a desire to move into ethical and sustainable investing for more than half (51%) of advised UK adults, according a new report[1]. And while the trend is common across the generations, it’s Millennials who are leading the charge.
Realistic performance expectations
Managing overall exposure to market volatility Trying to navigate the ups and downs of market returns, investors seem to naturally want to jump in at the lows and cash out at the highs. But no one can predict when those will occur. Fortunately, there are a number of time-tested strategies that may help you deal […]