Investment Reviews

If your investments are not being regularly checked and reviewed you may find they are no longer inline with your current situation.

For instance you may have changed jobs, you could be close to retirement, or any number of other factors may be important reasons to make sure your investments are still setup correctly to suit your circumstances.

Combine this with the ever changing global financial situation and you can appreciate why it is important to have a regular review.

Some important questions that would be covered in a review by ourselves.

What type of investments do you hold, perhaps ISAs, Bank/Building Society deposits, Unit Trusts/OEICs or Investment Bonds?

How comfortable are you that your risk acceptance, the charging structure and performance of your investments is appropriate to your objectives?

Is your portfolio still inline with your requirements and does it take account of your thoughts on risk?

When markets have fallen has your investment reduced more than you were comfortable with? If so, your investment should be reviewed so that is inline with your attitude to risk now.

Fundamental to any investment strategy is to complete a risk profile questionnaire. We ask a series of questions to ascertain your current situation and attitude to risk. If you are, for instance a very cautious person and our risk profiler confirms this, we will select a suitable investment portfolio to meet with your new risk profile. By the same definition, perhaps you are in a with profit related investment which are generally deemed to be for the more cautious investor, but your risk profile indicates that you have a more balanced or adventurous approach to invesments, we may wish to consider realigning your portfolio (careful consideration has to be taken with with profit funds as some have a market value reduction applied or may have other penalties attached to them, please contact us for more information).

Example asset split

Example Market Performance

Wherever your investments may be, it is always good to have a regular independent review as many factors such as your age and situation can make a considerable difference.