Investing in a future you

It’s important to consider the impact of inflation. This will chip away at your money, meaning it will buy you less over time. Because of this, you need to think carefully about what you need your money for, and when. This might be something in the near future – perhaps a child’s wedding – or something many years away, such as retirement. Having a clear picture can help you approach saving and investing in the most appropriate way.

As advisers, we can help by…

Listening to your goals, and aligning your money in a way that supports you to achieve them. This might involve taking advantage of an employer’s pension contributions, or opening an ISA to save in a tax-efficient way. A carefully considered plan can help minimise the impact of inflation, laying the groundwork for a financially secure future.

Investing means taking on some risk in the hope that your money will grow in value. Although it could just as easily drop in value, meaning you could end up with less than you originally paid in. There’s often a fine line between the two, so it’s important you approach things sensibly. Take too much, or too little risk, and it’s likely you won’t achieve what you originally set out to.

As advisers, we can help by…

Pulling together a plan which has your best interests at heart. Key to this will be understanding your appetite for risk – how much are you happy taking? Doing so will help us recommend a strategy which puts your mind at rest, while ensuring your money’s working as hard as possible.

You can invest in various things, and each has its pros and cons. Examples include stocks and shares, bonds or commercial property. These all have different levels of associated risk, so it’s usually a good idea to spread your money – don’t put all your eggs in one basket. The longer you leave your money invested, the more chance it has to ride out any periods of bad performance. So it’s key to think about how many years you’re happy to remain invested for.

As advisers, we can help by…

Explaining what the different types of investments are and whether or not they’re right for you. We can recommend how to split your money, revisiting this from time to time to ensure everything’s on track. If we feel it isn’t, we’ll change things with your best interests at heart. We’ll also help you make the most of various tax allowances in the most efficient way.