When you’ve got surplus cash or excess working capital in the bank, you will be thinking about what you can do with it and how your money can work better. This is when you should consider company investments. Working in line with your financial plan and your goals, our investment strategy strikes a balance between capital preservation and delivering positive returns, taking into account both the need for growth and your feelings towards risk. Using our general investment account, we can establish a robust, diverse portfolio that considers your aims and needs, and stay hands-on to make adjustments as markets shift. It’s all about effective management to keep your money growing for your future.
How transparent is the information around my investments?
It’s very transparent. You will know everything that is going on around your investments, from shifts in the market to up-to-date valuations on all your funds. As a matter of routine, we will hold regular reviews of your portfolio with you, to gauge how your investments are performing in line with your risk tolerance profile and your life goals. If things change, then we change with them. For you to have complete access to the progress of your investments, we even provide our myWealth app. This is a sophisticated interface that you can use on your desktop computer, your tablet, or your smartphone to monitor the the performance of your portfolio, as well as every other aspect of your financial affairs so that you can have a complete overhead view of your finances wherever you are.
What tools or software do you use to decide investment strategies?
We will use the most up-to-date and effective industry software available to us at the time. Currently, we use Prestwood Professional to give us detailed, valuable insights into financial forecasts and cash-flow planning, and also the FinaMetrica system – an extensive risk profiling software that establishes a client’s risk tolerance and plays a key part in influencing our investment decisions.
We back this up with experienced human input from our investment committee team, who have a detailed investment mandate to sift through the thousands of funds available to the UK market and find the few that are worth our attention. We choose funds that compliment each other in the form of a portfolio, we are aiming for a steady, reliable return. But we are always flexible, and will change when the market changes.
Is this a better option than a stocks and shares ISA?
This is a bit like comparing apples and oranges. The important point to bear in mind is that an ISA is not an investment; it is a tax wrapper where you can place funds in a savings account and those funds will be used by the provider to achieve growth for themselves, from which they will give you a return. It’s quite a different use of your money. Also note that a company cannot have an ISA – it is, after all, an ‘individual’ savings account, where growth is tax-free, and so not available to a corporate entity. Any profits made from investments are assessable on the company, and a £10,000 profit will always be classified and taxed as such.
What returns should I expect on average?
There are many variables involved and too many unknown factors to give you an estimate of what percentage return you might see on any investments. However, what we can do is give you our professional opinions and in-depth advice on a range of investment options available to you. The best thing to do is to talk to us about what you have to invest and what kind of results you are looking for. We will then be able to go over all the possible forecasts and models of various investment scenarios, in line with your risk profile, to give you an intelligent idea of what might the results might be. From there, you’ll be able to make an informed decision on how best to use your money.
FOCUS ON YOU
Where are you on the journey?
Do you own a business?Have you spent your working life investing yourself in your business? Maintaining that level of attention and dedication to your clients, your services and your employees may mean you are on top of your operation’s finances, but perhaps not fully aware of your personal situation. We can help you to grow your money and plan for the future with your pension.
Are you retired, or approaching retirement?Concerns about your cash flow may be at the forefront of your mind as you consider your retirement. Will you have enough, or have you run out of time to accumulate the necessary funds? We can assess your financial position and work with you to make the most of your pension pots so you are able to maintain your chosen lifestyle.
Do you have a final salary pension?You may have paid into company pension schemes for years, maybe decades. But what will those funds mean to you when you retire? What might seem a reasonable amount now might not look the same in future with the rising cost of living. You need help to fully understand your pension pots to solve immediate needs and set up a private pension to keep you secure in retirement.
WORKING WITH YOU
Securing your future starts with a conversation
Are you ready to take control of your finances and map out a safe and secure future for you and your family? Call us today on 01449 615714, or click the button below to drop us a line.Get in touch today