INVESTMENTS & SAVINGS

The world of investments and savings can seem confusing, with a vast and bewildering array of differing opportunities and dangers – not helped by the amount of jargon used by the industry. Our role is to explain what’s available, in plain English, and help you make the right choices based on your objectives.

We understand that everyone’s requirements are different – whether you are investing for growth, retirement income or future school fees. We’ll take into account cash deposits, ISAs, stockmarket-based investments, pensions and other savings and investments to ensure there is a suitable balance for you between risk and reward.

Risk and reward
One of the first things we will talk to you about is your your attitude to investment risk. We all want an investment that provides fantastic returns without any risk of a fall in value but of course there’s no such thing. Even a bank account carries some risk these days. How risk averse (or otherwise) you are will be a key factor in our recommendations.

Diversification
Another important factor that needs to be considered is ‘diversification’. That just means spreading your money between different kinds of investments and different kinds of investment product. Diversification helps minimize the risk of your overall investments performing poorly or losing money. We can help you get the right balance, for you, between the different types of investment opportunity available.

Tax
Understanding your individual tax position is very important when making investment decisions. It doesn’t make sense to take the time to carefully plan to achieve your financial objectives, only for any income or growth to be taxed inefficiently. Although there are some ‘no-brainer’ options like ISAs, after that it can get more complicated and that’s where Pembrokeshire Wealth Management can help.

 

The value of units can fall as well as rise, and you may not get back all of your original investment.

Tax Planning advice is not regulated by the Financial Conduct Authority.

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