Reviewing needs and goals

Take the time to think about what you really want from your investments

A financial review is a great way to take a fresh look at your finances and plan for the journey ahead. More importantly, it enables you to talk through your long-term financial objectives and discuss with us a way forward to deliver your plan and achieve them.

Investment objectives

The sooner you start, the better off you may be in the long run

A lifestyle financial plan has no value unless it is properly implemented through an appropriate goal-based investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you should consider investing some of it.

What next for stock markets?

Getting to grips with the fallout from the coronavirus

Understanding the interaction between volatility and returns is a fundamental part of being a good goal-based investor. This is especially important at times such as now, when we’ve seen daily sizeable swings in market values as global markets try to get to grips with the fallout from the coronavirus (COVID-19) outbreak.

Let time do its work

Focusing on long-term horizons

Fear and worry are understandable, particularly as the coronavirus (COVID-19) outbreak led to the biggest daily drop in the FTSE 100 since the financial crisis. Trying to second-guess the impact of events such as the coronavirus or the recent stock market volatility – or even attempting to make a bet on them – rarely pays off. Instead, investors who focus on long-term horizons – at least five to ten years – have historically fared much better.

Understanding risk

How much risk are you willing to take?

If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals.