| Most of us would like investments which are safe, in that they cannot fall, and which offer high returns. This ideal combination is not available. Sensible investment planning revolves around understanding what your investment aims are. Broadly speaking the longer that your investment is to be left alone, for example for retirement, the higher level of short term risk that may be acceptable. If however the money is needed in the near future perhaps for a house deposit, then short-term safety is essential. There are a number of areas that need to be considered before proceeding with any investment, such as; Do you have sufficient cash–based funds to cover any short–term spending plans and emergencies (e.g. "rainy day" fund)? Are you investing for income, growth or a mixture of the two? If you want growth, will you need access to your investment and if so, when? In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude and tax position. Choosing the investment asset class is only the beginning. Asset types Cash deposits Fixed interest securities (gilts, corporate bonds etc) Property Equities Derivatives/Futures Fine wines, commodities etc Types of investment Now you have to choose what "vehicle" to use to access these asset classes. A number of options are open to you, from bank or building society savings accounts (where your investment and interest earned is guaranteed but interest rates can limit potential returns), tax efficient Individual Savings Accounts (ISAs) — which include cash and equity versions — through to pooled investments such as Unit Trusts, Open–Ended Investment Companies (OEICs), Fund of Funds, Managed funds, capital investment bonds, and Investment Trusts. Effective investment is all about the right mix of asset classes. Having too many "eggs in one basket" can be dangerous, but selecting the right investment balance is not an easy process. |
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A B M Farnham, 1 Kimbers Lane, Farnham, GU9 9PT. Telephone 01252-821093. e-mail office@abmfarnham.com
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Independent Financial Advisers
Independent Financial Advisers