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Investments Advice in Surrey

Investment planning is a key service we offer. The range of opportunities available is immense. We are continually striving to be at the cutting edge of those opportunities and importantly weeding out those that do not meet our strict criteria.

Often the starting point for investment advice is to ascertain our clients’ attitude towards investment risk and their understanding of investments. In general we take the stance that all investments carry some degree of risk. For example, bank deposits are seen as low risk. Although the value of the deposit should remain safe (bank can become insolvent) the interest rates applied are often less than inflation and the interest is taxable. The net result is that the value of the deposit (its buying power) goes down over time

Risk management is the key to ensuring our clients’ objectives are met. We use psychometric testing via a short questionnaire as the starting point for our clients risk management profile. The results are often interesting and provide a good discussion point for our clients.

Another important point to consider is how the investments will be held. There are numerous different ways to access investments and they all have their pro’s and cons. Some of the products used are Individual Savings Accounts (ISA’s), Investment Bonds, Wrap Platforms, Pensions and the list goes on. We tend to consider our clients’ whole investment portfolio as one rather than several portfolios held within different products. The products are merely tools available to get cost benefits or tax advantages.