• birth to leaving education
• leaving education to age 39
  • investing your money
  • asset allocation
  • building a property portfolio
  • managing debts
  • making a will
• age 40 to 49
• age 50 to retirement/ leaving full time work
• retirement/slowdown years

Leaving Education to Age 39

Asset allocation

Different types of assets, such as equities or bonds, behave in different ways. The first step in forming any investment strategy is to achieve the right balance between the major asset classes. This "asset allocation" is fundamental to meeting your investment goals in the medium to long term. In fact, asset allocation is fundamental to the long-term strength and resilience of your plans.

In a relatively short time, the various world economies have experienced a number of issues that affect your savings and investments:

• Stock market falls
• Political tensions
• War
• Falling interest rates
• Rising interest rates
• Rapidly rising house prices
• Recession and Boom
• Rising inflation

All of these issues will continue to affect some or all of your savings and investments. The key is to understand which ones are affected with a detrimental outcome and which ones are likely to experience a positive affect.

We know that no matter how the economy changes, the only way to make sure your money has the best potential, is to create a sensible and robust spread to make sure you have a diverse portfolio.

You do not need large sums to create diversity and we make sure that all portfolios we help create meet with your personal risk profile, timescales and where relevant, your ethical or moral standpoint.