Savings & Investments
How can we help you save and invest for your future?
Whether you’re saving for retirement or aiming for a specific goal, like a major purchase or dream holiday, it’s essential to invest your money wisely.
We’ll begin by learning more about your goals, including how much you need and when, how much can you comfortably save each month, and how long you can invest your money.
Nobody wants to pay more tax on their hard-earned money than necessary, so next we’ll provide advice and guidance on structuring your investments in a tax-efficient way, ensuring you make the most of your available allowances, such as your annual ISA and Capital Gains Tax allowances.
We’ll also recommend investing your money through a modern, secure online platform provided by one of our trusted business partners. This will give you complete transparency of your investments, including detailed performance information and plan charges shown clearly in pounds and pence.
We only recommend regulated financial products, so you can invest with confidence, knowing your money is eligible for Financial Services Compensation Scheme (FSCS) protection.
Will your money be at risk?
All investments come with some level of risk, but we’ll help ensure your money is invested at a risk profile that you fully understand and are comfortable with.
We’ll start by asking you to complete our risk profile questionnaire. After reviewing and discussing the results with you, we’ll consider any existing investments and your previous investment experience.
Together, we’ll agree on a level of investment risk and capacity for loss that you feel completely comfortable with.
How will your money actually be invested?
We can recommend a range of investment solutions and work closely with multi-award-winning investment managers who share our core values and have an impressive track record. This includes firms like Invesco and PortfolioMetrix.
We’ll recommend an investment solution tailored to your individual risk profile, where the fund manager can make necessary day-to-day adjustments to fund and asset allocations to maintain the most appropriate balance of investments.
This ensures your portfolio can quickly adapt to changing investment conditions, seizing opportunities as they arise or taking defensive positions when necessary.
How about sustainable investment solutions?
Sustainable investing has moved beyond being a niche choice for specialist investors to offering a wide range of opportunities. It allows investors to benefit from the long-term growth of companies that significantly contribute to society through their products, services, and business practices.
We can provide detailed insights into how and where your money will be invested, ensuring it supports companies whose products and services benefit both people and the planet. At the same time, these avoid or exclude harmful industries such as tobacco, alcohol, gambling, controversial weapons, adult entertainment, and increasingly, fossil fuels.
What’s more, we’ll show you that investing sustainably no longer means compromising on performance.
