INVESTMENTS

Simply put, investing is the process of putting aside money which we don't need to spend now, so that we have more to spend in the future.  

 

What we all aim for is achieving a good return on that money.

Investing money to achieve a specific goal is normally considered to be a medium to long-term strategy.

For most styles of investing the returns will not be guaranteed and can be affected by market conditions. Secure returns are normally offered by investing in areas such as cash and are usually available from the bank or building society.

Investing money to achieve a specific goal is normally considered to be a medium- to long-term strategy, for example planning for retirement.

 

Depending on your circumstances, you can achieve this by investing regularly, usually monthly or annually, or you can make one-off lump-sum investments.

Why invest? 

 

We invest for a number of reasons:

  • Saving for a specific purpose

  • Building a pot of money for personal use at a later date

  • To beat inflation to ensure that we maintain a good standard of living.

 

Before you invest, we recommend that you address three key areas:

  • You have sorted out any debt

  • You have adequate emergency funds

  • You have adequate financial protection to cover common risks such as being off work due to sickness or accident.

 

We will help you establish your needs and actions in the above areas and make recommendations to address these, in line with your investment requirements.

Here are some of the areas you should consider:

  • What am I investing for - growth, income or both?

  • What other investment products do I already have?

  • What means do I have to enable me to invest?

  • How long am I prepared to invest for?

  • Do I need access to my money at any time?

  • What is my tax position, both now and when I want to take the benefits from my investment?

  • What products can I invest in which will be most tax efficient?

  • What degree of risk am I prepared to take?

 

THE VALUE OF PENSIONS AND INVESTMENTS AND THE INCOME THEY PRODUCE CAN FALL AS WELL AS RISE.

YOU MAY GET BACK LESS THAN YOU INVESTED. TAX TREATMENT VARIES ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE ADVICE ON ESTATE PLANNING AND TAX PLANNING..

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Positive Solutions is a trading style of Quilter Financial Planning Solutions Limited, which is authorised and regulated by the Financial Conduct Authority.

Quilter Financial Planning Solutions Limited Registered England and Wales No. 03276760. Registered Office: Riverside House, The Waterfront, Newcastle upon Tyne, NE15 8NY.

The Financial Conduct Authority does not regulate Estate Planning and Auto-Enrolment

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Copyright 2020 John Stirzaker, Positive Solutions

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