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Investment Management

As a firm we are extremely serious about how we invest our clients' money, it is therefore imperative that we have an Investment Policy in place which advises our clients of the investment process the company adopts and the reasons for it.

We ensure our clients' money is invested in an environment which is :

• No hidden costs or charges. Responsible - investment decisions are made by professionals.
• Robust - sound foundation and ethics.
• Cost-effective - the costs are justified and not excessive.
• Diversified - the funds need to be spread both in terms of asset class and global location.

For a copy of our full Investment Policy and process please contact us for a copy.

Step 1 - Amount/ Access/Timescale
Things to think about before investing

1. How much can you afford to invest?
2. How long can you afford to be without the money you’ve invested?
3. What do you want your investment to provide – capital growth (your original investment to increase), income or both?
4. How much risk and what sort of risk are you prepared to take?
5. What are the tax benefits implications – what tax will you pay and can you reduce the tax?

I recommend that any investments less than 5 years should be cash based.

Step 2 - Risk
Establish your attitude to investment risk via the completion of the Finametrica Risk Profiler

This system provides a scientific assessment of an individual's personal financial risk tolerance in plain English. The system uses psychometrics to ensure validity and reliability. The 25-question risk tolerance questionnaire can be completed in 15-20 minutes and the comprehensive risk profile report is available immediately.

To find out more details please visit www.riskprofiling.com
   
It uses a system with 7 Risk Groups.

People in Group 1 being extremely cautious and people in Group 7 as thrill seekers or extremely adventurous investors.

Step 3 - Model fund selection
Your finametrica score will determine which model fund portfolio best suits your requirements.

Step 4 - The tax wrapper
Once the portfolio has been selected we need to “wrap” the capital tax efficiently and in line with access requirements.

This can be for example in the form of a Stocks and Shares ISA, Pension or Bond depending on your particular requirements.

Step 5 - The Review
One of the most important areas of financial planning is “The Review’.
At our meeting we will review how your portfolio is performing and if there has been growth exceeding the expected return we will discuss “banking” some of the profit so it is locked in and protected from future falls. We will discuss how much – if any – you wish to “bank” and make sure that your portfolio continues to meet your attitude to investment risk.