Leaving Education to Age 39
Investing your money
Investments are generally used to achieve the same goal and many times, we have seen it over complicated, which leads to investors taking on too much risk.
Most investors have one of two simple objectives:
- Make my money grow in value
- Provide an income from my money, without reducing the original sum
Our first step is to help you decide and in most cases decipher the myriad of options so that you have a clear understanding of the fundamentals:
- Risk: This is a personal thing, what may be a small amount of risk to one person, may be huge to another
- Timescale: The length of time you invest for is crucial. Generally, the longer your investment time horizon, the less likely you are to need money at short notice, which in turn affects the degree of risk you may be able to take
- Costs: Every savings account and investment product carries some form of cost, whether paid annually or implicit within the rate of interest applied.
- Asset Type: Cash, Property, Shares, Bonds, Government debt, the list could go on.
We believe that by helping you understand what you are investing in and why, provides greater confidence and over the long-term, you can become more engaged in your financial future. The advantage of our regular reviews is to make sure that your chosen investments continue to offer value for money and where relevant we will provide ongoing advice to make changes and alter directions to meet your changing needs and objectives.