Your
Money
Whether you’re saving for your children’s
education, building up a deposit for a second
property or simply putting some money away
for a rainy day, creating a successful
investment portfolio can be a bewildering task.
You will need to take into account your attitude to
risk, your need for growth and all the relevant tax
opportunities and implications.
Where will you put your money?
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AS
Financial Solutions will help you simplify
the process by ensuring we match up the most suitable
solution and strategy to your needs. After completing
a detailed personal review of your current financial
position, including your aspirations and objectives.
We will help you manage Your Money
taking into account:
- The General Economic Climate and Expectations
- Your Short, Medium and Long Term Goals
- Your Views on Risk and Reward
Since wealth management is an ongoing process, we will
aim to meet you on a regular basis to ensure your portfolio
is on track and in line with your financial planning
goals. In most cases, wealth management will fall into
one of two classes – Savings or Investments.
Savings
Most people will save by putting
aside a regular sum from their disposable income into
an account for their short term financial
planning. The way in which this money needs to be invested
will vary from person to person, according to their
circumstances, likely future needs and their attitude
to risk. What is important to remember, though, is that
investing in a well balanced, tax- efficient portfolio
is more advantageous than placing money in just one
type of investment. The most common forms of savings
schemes are listed below:
- Individual Savings Account (ISAs)
- Bank & Building Society Accounts
- National Savings
- Regular Savings Plans
The Financial Services Authority does not regulate deposit accounts and national savings.
Investments
Are normally considered to be the medium to
long term financial planning and will sometimes
result from a legacy, maturing insurance policy, a work-related
bonus, a retirement or redundancy package, although
equally it could be regular investment from income.
Investing in a well-balanced tax-efficient portfolio
will be far better than putting the whole amount into
just one investment type. The most common forms of
investment schemes are listed below:
- Investment Bonds - Onshore & Offshore
- Guaranteed Income/Growth Bonds
- Unit Trusts
- Investment Trusts
- Open Ended Investment Companies (OEICS)
- Stocks and Shares ISAs
The value of your investment can go down as well as up and you may not get back the full amount invested. The Financial Services Authority does not regulate some types of offshore investments.
For a 'no obligation' discussion
about your money needs call us on: 0845 838 7157
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