Saving and investing
Investing for your future. It’s our job to make your money work harder.
It doesn’t matter if you’re just getting started or a seasoned investor – our financial advisers could help you get more from your money.
Understanding you and your needs
It starts with understanding your financial ambitions. This might involve working towards a particular goal, or helping loved ones down the line. Our experts can then recommend the investment products they believe will match your aims and expectations, taking into consideration:
- your ability to make regular payments
- any one-off investments you could make
- your level of comfort regarding market volatility and risk to your money
- how long you’re looking to invest for
Remember, investing involves risk, so your money can go down as well as up in value. This means you could get back less than you paid in.
We’re guided by key principles
Understanding your tolerance to risk
With investing, there’s always a level of risk to consider. By taking on some risk, you hope that your money will grow in value over the long term, but you could also end up with less than you originally invested. We’ll help you understand how comfortable you are with risk and how this relates to your financial goals, so we can help you make the most suitable investment decisions.
Spreading the risk
We’ll often recommend spreading investments across different asset classes such as stocks and shares, bonds and property. In our world, this is called diversification, and it means ‘not putting all your eggs in one basket’. Different investments behave in different ways over time, and the longer you leave your money invested, the more chance it has to ride out any ups and downs in markets.
Remember, your money can go down as well as up in value. This means you could get back less than you paid in.
Our role is simple
We invest your money in specialist funds across several investment managers. The funds aim to achieve returns in line with clear risk guidelines. By investing in this way, we can deliver a well-diversified range of investments to match your attitude to risk.
Independent advice grounded in industry knowledge and expertise
Our experts can recommend how to allocate your money, and we’ll revisit this with you during your financial review or if your circumstances change, making sure everything’s on track for your long-term plan. We’ll also help you make the most of any tax allowances available to you, for example by investing through an ISA (Individual Savings Account). You can take comfort knowing there’s someone who’s looking out for your financial future, with your best interests at heart.
Remember, tax rules can change and the impact of taxation and any tax relief depends on your circumstances, including where you live.
