Investment Planning for Growth or Income


Investment portfolios that are likely to meet clients’ objectives and appetite for risk is vital for successful investment advice.

There is a four stage process for managing clients’ wealth:

1. Fact Finding & Goal Planning

  • Analyse Assets and Liabilities you already have
  • Establish Target Income  or Target Capital amount and when it is required
  • Establish any Specific Requirements –  investing in an Ethical fund for example 

2. Attitude to Risk & Asset Allocation

  • Agree your attitude to investment risk
  • Design a suitable mix of assets likely to generate expected or desired return within agreed risk tolerance

3. Tax Wrapper & Product & Fund Research

  • Research and select most suitable and tax efficient investment products
  • Research and select most suitable Investment Funds or Portfolios

4. Review Process

  • I offer bespoke levels of ongoing service relevant to you and your needs
  • Some clients require ongoing monitoring of the investment recommendations
  • Some clients require reviews of the recommended funds on a regular basis
  • Rebalancing of the assets might be required to maintain expected return
  • For simple or smaller portfolios, ad-hoc reviews are sufficient for some clients

Why Invest?

Cash deposits are useful for holding emergency monies for exploding boilers or short periods of unemployment, but inflation can erode the value of cash over the medium and long term meaning cash is not actually as safe as many people believe.  In addition, with interest rates currently so low, cash savings accounts generally provide poor value for money.

Many people are reassessing their need for large sums of instant-access cash, allocating more capital to purchase ‘real assets’ that light have a better chance of keeping up with inflation. This means decisions need to be made about how and where to invest, but investing in the current environment presents a number of challenges.

The choice of retail investment options is mind blowing with new ways and routes to invest seemingly springing up every day.

Many investors prefer investing via open ended collective investment funds such as Equity ISAs, Unit Trusts and Open Ended Investment Companies (OEICs) that provide access to real assets but have professional fund management making the daily buy/sell decisions with the aim of getting your money to work that bit harder for you.