A Guide to
Investment Planning

Welcome to ‘A Guide to Investment Planning’. We appreciate that every investor is unique and complex, which has led us to develop a highly innovative approach to investment. We believe it significantly improves the management of our client’s investments.

Our approach combines rigorous client assessment and portfolio construction techniques to tailor the performance we aim to deliver for each client. The result is a performance profile that creates the confidence and comfort necessary to make the right decisions in both smooth and turbulent times, so as to improve performance over the long-term.

No matter what your investment goals are and how much you wish to invest, we can work with you to develop the most appropriate portfolio for you and can give you an unparalleled insight into how your money is performing.

Getting your financial affairs in good shape, with funds available to meet unforeseen costs, to pay education fees, to reduce your mortgage or to support you in retirement, can increase your sense of security and freedom.

There are, of course, times in our lives when saving money may be difficult (for example, when studying or bringing up children), but it is important to look ahead. Saving little by little out of your income or investing lump sums when you can all helps. Holding savings for a long time means they can grow in value as well.

Investment goals
What are you trying to achieve with your investments?

Diversification
Selecting assets that behave in different ways

Fund focus
Are you investing for growth, income or for both?

Investing for income
In search of good returns from your money

Pooled
investment schemes
Investing in one or more asset classes

Open-ended investment funds
Investing in one or more of the four asset classes

Open-ended
investment companies
Expanding and contracting in response to demand

Unit trusts
Participating in a wider range of investments

Investment trusts
Reflecting popularity in the market

Investment bonds
Putting your money in a range of different investment funds

Endowments
Combining investments with life cover

Tax wrappers
Individual Savings Accounts

Taxation matters
Different investments have different tax treatment

Offshore investments
Utilising tax deferral benefits

Ethical investment opportunities
Where’s your money growing?