Navigating your investment options – How professional financial advice can prove invaluable

Few of us have the time or inclination to understand the vast number of different investment products available and consider what the best options are to suit our objectives.

Managing our ever-changing financial affairs

It can be difficult to find the time to keep up to speed with everything, including managing our ever-changing financial affairs, especially as investment products are unlikely to remain the same throughout our lifetime.

Professional financial advice can help you design a custom investment portfolio to suit your individual situation. It should take into account your financial goals, as well as your need, willingness and ability to tolerate risk. It should also generally be designed to minimise your tax burden, if possible, and is prudent given your circumstances.

What’s your attitude to risk?

Investing, is as much about managing the potential downside as it is about targeting potential gains.

Generally, higher returns come with higher risk, and professional financial advice can help you think about your attitude to risk before making any recommendations. It’s also important to make sure your portfolio has the right balance for your risk profile by diversifying across asset classes, regions, providers and products as applicable.

To invest successfully, think about your long-term financial future. You are at the centre of your financial plan: your goals (both short term and long term), your situation, and your financial strengths and challenges.

As time passes and your lifestyle changes, it is important to keep a regular check on your investments. It is likely that the balance of the investments in your portfolio will need to evolve, not only in line with changing market conditions, but also with factors such as your investment goals, your personal circumstances and perhaps most notably your age.

Important considerations when building an investment portfolio:

Balance

Typically, investments with the potential for a higher return also carry a higher risk due to the more volatile sectors and regions that are targeted. Part of the process we consider is the risk or return trade-off, and we can help you to gauge your attitude to risk.

From this, we can ensure that your portfolio has the right balance of risk by diversifying across asset classes, regions, providers and products as appropriate.

Continual reviews

Over time, both markets and your lifestyle can change dramatically. Therefore it’s important to keep your investments under continual review to get the most out of them. Anything in your life, such as your age or personal situation, could affect the requirements you have for your investments.

Confidence

With markets constantly on the move and unforeseen events sometimes having significant impacts the need for ongoing adjustments to your investments can be extremely important.

Let an advisor take this important responsibility off your hands to help you to feel more confident that your holdings are suitably invested for your individual requirements.

Looking to invest for income or growth?

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.

To discover how we can help you build a long-term strategy for your investments, please contact us on 0161 495 4700 – we look forward to hearing from you.

INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM, TAXATION ARE SUBJECT TO CHANGE.

THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

PAST PERFORMANCE IS NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE.