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Investment Planning and Financial Advice

What is Investment Planning, and how can it help you?

Investment Planning should be vital if you have any form of savings. Whether it is cash, stocks or shares, Individual Savings Accounts or Bonds, you want them to work hard for you.

Inflation, over time, eats into the actual value of your investment.

Investment Planning helps you make the most of your savings, ensures that your savings’ long-term returns beat inflation, and helps you meet your goals and objectives. Effective investment planning also controls risk and volatility within your investment. We have vast experience managing clients’ investments.

Our initial meeting is without obligation and completely free of charge. It allows you to find out more about us and our advice services.

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Book your Initial meeting.

Our initial meeting enables us to find out more about you and how we might be able to help you. The meeting is provided at our expense, and you have no obligation.  Our Video outlines our services

Six Essential Steps When Reviewing Investment Planning

You should use six steps as an investor. This will help to ensure your personal recommendation and your investment plan performs as expected. Understanding and implementing each of these steps is important. The six steps are :

  1. Identify your goals and objectives
  2. Assess risk and asset allocation
  3. Portfolio creation
  4. Choosing the right investments
  5. Use tax-efficient investments first
  6. Review and monitor your investments

Investment Planning

Six-step investment process

Identify your investment goals and objectives—Understanding any financial plan is essential. Your Savings Accounts and investments might generate income for you now or in the future. Alternatively, you might be looking for growth on a lump sum investment or a combination of income and growth. It is also essential to consider how long you wish to invest.

Investment risk and asset allocation are four types of asset classes. These are stocks and shares (equities), bonds and fixed interest, and property and cash. Each asset class has additional asset classes within it. For Example, UK Equities are a subclass of Equities. The mix of the assets within your portfolio determines the risk of your investment plan. For example, if you have 100% equities, your investment portfolio will have a greater chance of losing money than cash. Getting the correct mix of assets for the level of risk you wish to take can be very difficult.

Creating a suitable investment portfolio—Once you understand the level of risk you can take and the period you wish to invest (for example, short-term or long-term), you can build an appropriate investment portfolio. In the UK, investors have thousands of different investments to choose from. However, filtering and selecting the best ones is very difficult. Most UK financial advisors use sophisticated software to recommend suitable investments.

Using the right investments—It is essential to pick suitable investments for your portfolio. Whether you choose low-cost indexed or tracker investments, Sustainable or ESG-based investments, or specialist funds, you need to understand how they interact and affect your personal financial plan. Due to the complexity of this part of the process, we recommend you take financial advice.

Tax-Efficient Investing – In the UK, investors have many tax breaks. This allows you to use tax-efficient investments and allowances such as capital gains tax allowances. Using the allowances yearly makes a massive difference to the returns you might receive on your investments.

Monitoring and reviewing your investment plan – Monitoring and reviewing your investments regularly is essential. Without this final step, you will unlikely meet your goals and objectives. We recommend conducting an investment planning review at least every six months.

Why should you monitor and review your investment portfolio?

With the advent of technology and computer trading in the global stock markets, it can be argued that investments change in value more quickly than they did. The access to 24-hour news and social media has highlighted the situation. It is essential to ensure you can react quickly to changes and monitor your investments’ performance and fine details.  This is not straightforward. One of the benefits of advice is the coaching and guidance we give. We always recommend seeking professional advice from an investment specialist.

Why is an investment process necessary?

An investment process is vitally important. It ensures that you maintain solid discipline, control risk preferences, and, most importantly, meet your goals and objectives. Without an investment process, this will be impossible. The investment process might include specifics such as when to rebalance your portfolio and appropriate investments, such as sustainable or ESG investments.

We can help you with your investment planning.

As independent financial advisors, we have a wealth of experience that spans many years. Our investment Planning service forms part of our overall financial planning service. Our financial planners use the latest technology, processes, and systems to build an investment plan that will be unique to you. We can also factor any investment preferences you might have into the financial advice process, such as using sustainable investments.

Investing correctly is a complicated process. If you would like to discuss your situation with our financial advisers, do not hesitate to contact us.

The Financial Conduct Authority FCA regulates Consilium Asset Management.

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