Investments
It is our role as an IFA to help you choose the right investments in order to help you meet your objectives.
What you need to give some thought to is what those objectives are. This is an area in which compromise and self understanding are essential.
Most people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available and beware anyone who claims otherwise. Sensible investment planning revolves around understanding your investment aims and having realistic expectations.
In general, we specialise in lower risk and lower cost investments. We are sceptical of the fund management industry, but with some great exceptions. We like to use direct assets such as ETFs and corporate bonds which have either zero or very low annual costs – we see a key part of our responsibility as cutting the costs for client investment.
In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude and tax position. We are not afraid to hold client investments in cash – we believe in holding profitable investments and selling to cash when needed.
