Independent Wealth Management
Call us on 01276 517700 or email advice@professional-wealthcare.co.uk
When make an investment (whether it be a lump sum, regular savings or a pension contribution), you have some important decisions to make and fund selection will be high on your decision list. If your investment is small, you may decide to use a single fund. However, for most, it is important to build a suitable portfolio of funds because:
If you have a pension or investment plan, you will often invest in a selection of different funds, often referred to as a ‘Portfolio’.
Whatever the size of your pension fund, it is very important that your investment is looked after. However, the harsh reality is that with larger funds, the level of care can usually be improved on.
If you are a saver or an investor, have you ever really considered the amount of risk you are taking with your money?
It is important to ensure that pension arrangements are reviewed periodically. Changes in product design and legislation have had a dramatic effect on the options available for pension policyholders.
When I review financial plans for my clients, I generally have three clear objectives.
Saving money requires no explanation, but is obviously always well received.
I often meet married couples where the pension plans are all in the husband’s name. For many this is the traditional way for retirement planning. However, they could be missing out on a simple piece of tax planning.
If you run a successful Company, you may often find that there is a surplus of cash and the question arises where best to put this.
Many people have invested in with-profits funds over the years. When markets are down, with-profits fund managers often exercise something called a Market value reduction (MVR). This is essentially a penalty for those withdrawing money from the fund. The purpose of an MVR is to reflect the underlying fall in values and to protect those […]
Proponents of passive funds argue that that most fund managers underperform the index. Their seemingly logical conclusion is that a fund that simply tracks the index is a good way to invest and offers equity returns at low cost.
Barry is friendly and informative. He knew a lot about the products that he deals with.
Linda Ashworth
