Saving and investing
Finding the most effective ways to protect and grow your money
Finding the most effective ways to protect and grow your money
Find an adviserEvery one of us has a very personal reason to put money away towards the future
Every one of us has a very personal reason to put money away towards the future
It might be to fulfil a dream or goal for yourself or your children, it may be about creating a secure financial future. Or it could simply be your rainy day money. For us it’s personal so whatever your goals, our advisers will work with you to find out what you want to achieve and guide you to the choices that are right for you. Of course, we understand that life changes and that over time your financial goals will also change. By working closely with you, our advisers will make sure you have the right plans in place for your evolving needs.
Taking your first steps to save for your future
Taking your first steps to save for your future
There are many ways to save for the future, but first you must decide what you are saving for and over what timescale – of course, this can include several goals with different target dates. And any good plan should also ensure there is readily available cash, for dealing with those unexpected expenses or changes in circumstances that life throws at us from time to time.
A world of opportunity and three simple principles
When you start to consider investing to make your money work harder - the choices can seem endless and somewhat overwhelming. It’s at that point our advisers can help you take the next step with confidence.
Taking your first steps to save for your future
There are many ways to save for the future, but first you must decide what you are saving for and over what timescale – of course, this can include several goals with different target dates. And any good plan should also ensure there is readily available cash, for dealing with those unexpected expenses or changes in circumstances that life throws at us from time to time.
When you start to consider investing to make your money work harder - the choices can seem endless and somewhat overwhelming. It’s at that point our advisers can help you take the next step with confidence.
Investment principles
Investing can never be entirely predictable. The key point to remember is that risk and the potential for reward go hand in hand. Investments that are low in risk are low in potential reward. As you accept more risk, the potential for reward becomes greater. The skill lies in managing the balance between the two. We use specialist tools, to work out what type of investor you are by considering three key questions:
- How much risk are you prepared to take?
- How much risk are you able to take?
- How much risk may you need to take to meet your financial goals?
Finding the right balance between investment risk and potential returns will depend on lots of things about your situation. We’ll help you work this out so that your investment plan is right for your level of comfort.
Once we understand your ‘appetite for risk’ we will help you build an approach to investing that will best manage the risks and potential rewards. A well-diversified strategy – where you invest in different assets from around the world gives you exposure to a wide range of opportunities and helps dampen losses when market conditions are challenging.
We’ll help you find the range of opportunities that are right for you so that your choices are linked to both your long-term goal and your approach to risk.
Investing in the markets is a long-term approach to saving for your future. With patience and careful planning and by staying focussed on your long-term goals you can achieve the right outcome.
We really do believe in looking beyond short-term market events and staying focused on your long-term financial goals and we will be there to review, advise and support at every step of the way.
Investment caveat
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.