Uncategorized FAQ Archives - Page 3 of 5

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Where do you invest client funds?

19th March 2021

Our policy is to decide on investment strategy and then outsource the management of this to professional fund managers....

Should I spread my investment?

Generally, the answer is almost certainly yes. Your investments will include UK and overseas shares, gilts, infrastructure, and other assets....

What does a good strategy look like?

This should contain a broad spread of assets and be managed in line with our philosophy, your attitude to risk and need for risk, timelines, and goals....

Will you challenge me if you disagree with my thoughts?

Our clients’ discussions are many and varied, no two are the same. At all times we will let you know if we disagree with an action you wish to pursue if we feel this will cause you financial harm. W...

Are you concerned about the planet?

Yes, we take environmental, social and governance matters seriously. Our portfolios and fund manager partners cannot screen out every perceived area of investment that might be regarded as non-green, ...

Tell me about the financial planning process

Financial planning is a multi-step process that provides you with two important things: An in-depth review of your current position. A roadmap that shows you how to reach your goals and object...

What are your timescales?

We feel cash in the bank is the right place for 6 months spare expenditure, a holiday fund and tax purposes in the next 12 months. Once this is covered then any spare income or capital can be inves...

What are the main types of pension schemes?

5th February 2021

There are two main types: a defined benefit and a defined contribution pension scheme....

What is a defined contribution scheme?

A defined benefit scheme (commonly known as final salary or DB Scheme) is where your employer promises to give you an income in retirement based upon the number of years you have worked for them and y...

What is a defined benefit scheme?

The other type of scheme is a defined contribution scheme or DC scheme. In this type of arrangement, you will normally be expected to contribute as will your employer. This is suitable for the self-em...