Investments 

Whether one is investing for income or capital growth, there are investments to suit virtually any individual set of circumstances and any short or long-term need. However, whilst it is good to have a wealth of choice it can be confusing, especially when you take tax into account as well as investment criteria.

You may wish to invest for income or capital growth or a combination of the two, but do you have an investment strategy? Have you considered how much risk you are prepared to take and what are your expectations of reward? Perhaps you have concerns about the performance of your existing investments and the risks you face in these uncertain times. If so, an assessment of your holdings is vital to determine whether they remain suitable for the changing market conditions with which we now live. Whatever your requirements, our consultants are ideally placed to help.

If you are investing for income, perhaps because of retirement or if you are taking a break from work, you should first consider the level of income that you require and balance this against the level of risk that you want to take with your investment. Many different investments provide income, but there are just as many questions to consider when choosing between them.

On the other hand, if you do not want income and only require capital growth and your money is in a bank or building society account, you may think it is safe and growing, but in fact, it is vulnerable to a hidden danger, inflation.

Even at a rate of only 3% pa, inflation will cut the value of your money by more than a quarter over ten years. If your capital is not increasing, then inflation is eroding its value. Whatever your particular objective, it is essential to aim for some long-term growth, and not to rely solely on interest.

Our service is designed to help you find the most appropriate and tax-efficient investment for your personal circumstances. Our consultants can advise you about how to achieve a real return on your capital, ahead of inflation. In many cases we can also find ways for our clients to benefit from a much better income, without taking more risk than you feel comfortable with.