As we have stated on the 'Home Page' you may be holding other investments such as:
- Unit Trust or Open Ended Investment Companies (OEICs) funds
- Investment Trust
- Stocks and Shares ISA
- Personal Pension – With Profits or Unit Linked – active or frozen
- With Profit or Unit Linked Bonds
- Distribution Bond
- Endowment Mortgage
The TWO stock market downturn i.e. Technology Bubble during 2000-2003 and Credit Crunch during 2007-2008 has practically hit every investor holding any of the above investments.
The massive aftershocks from the biggest economic crash in a generation have brought exceptional burden on Wealth Managers and Financial Advisers to advise on fine tuning existing investment holdings.
Having said that there are gems to be found providing opportunity to diversity underperforming portfolio.
If this issue has not yet been addressed, like ‘Damaged Pension’ you may also be holding ‘Other Damaged Investments’.
What’s more the current low level of interest rate and high inflation is not helping either.
This is a very delicate situation – let us explain
- You need better returns from your investment but you are afraid to invest as you are unsure how badly your invested capital will be affected if there was further market downturn.
- Inflation is eroding your capital hence you do not wish to hold too much cash. A ‘Catch 22’ situation.
Under these circumstances what do you do?
THE SOLUTION IS TO PLAN CORRECTLY
1st – Hold sufficient CASH for RAINY DAY.
2nd – Once decided how much to invest always select the investment that you UNDERSTAND, as far as possible within TAX FREE WRAPPERS AND INCOME GENERATING vehicles over medium to long term i.e. 5 years plus.
3rd - Always invest in Collective Funds like Unit Trust or OEICs (Open ended investment company).
Unless you are a professional investor you may think of another route.
4th - Always utilise your Capital Gains Tax annual allowance.
5th – Do not invest blindly, always invest in fully researched funds.
HOW WE CAN HELP
We will create a tailor made investment portfolio for you in line with your risk profile.
We will provide fully researched funds from Fund Managers capable of diversifying asset allocations, with an ‘open architecture’ approach tracking the best methodology and ideas globally.
This in itself will help to diversify your investments and reducing the risk element. You will have online access to view your investment 24/7 and to rebalance as and when required.
Free initial consultation without any obligation.
Polite Note
We are only able to accept clients in a 25 miles radius of Cardiff.