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Investment ManagementIt’s well known that a diverse investment portfolio is the best way to reduce financial risk. Making investment decisions is a complex business, and can be daunting if you are not familiar with the financial markets. We take a portfolio management based approach and have the tools to help you manage this complexity and to achieve your investment potential. We do this by taking into account three elements – asset allocation, investment selection and your attitude to risk.

1. Asset allocation

Research has highlighted the importance of asset allocation and shown that more than 90% of investment returns are determined by effective asset allocation Through a portfolio management based service you will have access to a range of asset classes, and – with our help and support – the ability to mix and match in line with your needs and goals.

2. Investment selection

Picking an appropriate mix of assets is only part of the story. There are choices to make within each asset class about what individual investments to select. This can also make a big difference to what you might get back in the longer-term. The management styles and investment policies of these funds will have influenced their performance over time. As part of our service to you as your professional adviser, we can access funds of many different management styles and investment policies. We can help you understand more about the investment options available to you, meaning better informed decisions about where and when to put your money.

 Mr T Dorset

3. Attitude to risk

In order to provide you with appropriate investment advice, in addition to having full knowledge of your financial circumstances and investment objectives, it is essential that we understand your attitude to risk, and that you understand the risk that is involved with the investment that we may recommend. All investments involve a degree of risk to your capital. As a rule of thumb, the higher the risk, the higher the potential return; the lower the risk, the lower the potential return. We will need to agree with you your attitude to risk, which means identifying the level of risk with which you feel comfortable and which provides you with a portfolio that has the potential to generate the amount of return you need to achieve your goals.

Why take a portfolio management approach?

Maximising tax efficiency and achieving your investment potential are both things that can make a world of financial difference over the longer-term. We have all the tools at our disposal to make your money work harder.

  • A wide range of tax wrappers to choose from.
  • Specially negotiated discounts on charges for many funds and a flexible charging structure that rewards you as your savings grow.
  • A birds-eye view of your whole portfolio, access to a wide range of funds and the ability to make changes quickly and efficiently enabling effective asset allocation, investment selection and risk management. Together, these are the crucial ingredients for achieving your investment potential.
* Past performance is not a guide to future performance and as with any investment, the value of funds can go up or down and may be worth less than what was paid in.

Savvy Financial Planning, Hinton Business Park, Tarrant Hinton, Blandford Forum, Dorset, DT11 8JF