services

 

The value of the investment can go down as well as up and you may not get back as much as you put in.

 

 

Investments

 

 

SHORT AND MEDIUM TERM INVESTMENT

 

Where and how should you invest?

 

While you'll be looking for a return on your investment, you also need to consider whether you are investing for the short term - 5 years or less - or whether you are in a position to invest for a longer period. Whether your money is tied up for any length of time, and that any risk involved is at a level which is acceptable to you.

 

However, before considering this, it's important to know that you have sufficient funds readily available to deal with any emergency that may arise. There is no hard and fast rule for how much is needed for this purpose but three months income is frequently regarded as a suitable amount.

 

You also need to consider whether you are investing for the short term - 5 years or less - or whether you are in a position to invest for a longer period.
You'll find further information on short and medium term investments on our Links page.

 

LONG TERM INVESTMENTS

 

How much risk are you prepared to take? This question may be uppermost in your mind and we use an Attitude To Risk Analysis to help clarify your views and to enable us to make appropriate recommendations.

 

We will help you to identify the most suitable investment vehicle, taking into account your objectives and tax position. Our aim will be to recommend top performing funds, managed by top fund managers, and providing a wide spread of assets classes.

 

Additionally, we review the performance of your investments on an ongoing basis to ensure that they continue to meet your requirements.

 

Please contact us for further information.

 

Where to Invest

 

 

Until fairly recently investing in collective funds - Units Trusts, Investment Bonds, Pension Funds - meant investing in shares, government securities, cash, and maybe property, but not much else. Where were the commodities, hedge funds, futures and all the other mainstream investment classes? Not putting all your eggs in one basket is a golden rule for reducing investment risk. It is for this reason that we strongly favour funds offering a wide spread of investment classes.

 

Equally important, we look for funds which actively manage the proportion of each asset class held in line with market conditions. If the records show anything, it is that leaving the asset class mix unchanged is most unlikely to produce the best investment results.


 

Which Fund Manager

 

Most investment companies are able, fairly, to claim that they have top performing funds. In addition, they will nearly always be running funds with a performance level at the other end of the scale. So which company do you choose? Even if the choice is a current top performer, will you know when the time is right to change? Yesterday's stars are frequently today's laggards.

 

Risk is reduced by investing in a variety of different funds. But this brings with it the need to be constantly tracking the performance of this fund portfolio and making changes where necessary. Not a task that most people would want. The answer? A multimanager fund where one fund incorporates the funds of a multitude of different investment companies and fund managers.

 

By choosing top performing multi-manager funds, fund selection suddenly becomes very much easier.


 

Offshore Investments

 

There are several myths and misunderstandings surrounding offshore investment - that it's a 'tax dodge' based in 'questionable' tax havens, or that it's out of the reach of anyone who doesn't have a few hundred thousand pounds to invest.

 

In fact, offshore investing can be more affordable than you might think. If you have a lump sum to invest, offshore investment could be a flexible and tax-efficient investment solution for you.

 

Offshore investments are provided by many of the major global life assurance groups. Modern offshore centres such as Dublin are very well regulated - life offices based in Dublin are accountable to the Irish Financial Regulator, which also ensures that the life company holds sufficient assets to meet its liabilities to policyholders.

 

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