Financial advisers Newcastle | Trusted investment management for individuals and businesses
Searching for financial advisers Newcastle? Welcome to the Seven Bridges blog where we explain the fundamentals of investment management, retirement planning and other areas of financial planning.
If you’re aiming to achieve financial security, a careful plan of saving and investing is essential. In today’s blogs we’ll be unpacking some of the key elements of investment strategy.
An effective investment strategy is built on your own personal approach to risk and reward.
How much are you willing to risk? What does high risk and low risk mean to you? What is your capacity to absorb losses?
These are just a few of the questions you need to ask yourself before creating an investment plan, as the answers will inform the amount of money you invest and where you invest that money.
Although there is no hard and fast rule, in general high-risk investments come with greater potential returns and a higher chance of losses compared to low risk investments.
The length of your investments is also very important. In general, a longer investment strategy will come with a lower overall risk. Most financial advisers Newcastle will recommend a minimum 5-year investment term for the best results.
Government Gilts and corporate bonds are issued by the government and multinational corporations respectively as a means of borrowing funds.
Both of these investment types are relatively low risk, though generally require a fund manager to be invested into.
Here at Seven Bridges, our team of financial advisers Newcastle have the resources and expertise to make these options available to you as an individual investor.
ISA stands for Individual Savings Accounts and offer a £20,000 allowance in the 2020/21 tax year. You can invest in either cash or stocks and shares, or a combination of the two.
ISAs have the benefit of being tax efficient so can be a valuable asset in your overall strategy.
OEICs and Unit Trusts are an effective tool for diversifying your investments. They allow for you to collectively invest with other individual investors and therefore spread risk and keep costs under control.
Therefore, if you are interested in this investment avenue, we recommend seeking the help of financial advisers Newcastle.
We create tailored, robust strategies that make your money work for you.
Our process begins with a free financial review carried out by one of our qualified financial advisers Newcastle. Covering your personal and business finances and assets, your goals for the future and attitude to risk and reward, we create a complete financial picture.
In addition to this, in a follow up meeting we will report our findings to you and create a multifaceted strategy including investment, retirement and tax planning. With a comprehensive understanding of your current investments, we will restructure where appropriate to ensure your plan is optimised for tax and your risk is effectively spread across different investment avenues.
Above all, investment is a long process which requires frequent tweaking to ensure no opportunities fly under the radar. We’re committed to building strong relationships with our clients that last throughout your investment journey.
As a family run, independent firm, trust is one of our key values. We are dedicated to providing leading financial advice to our clients so you can rest assured that your assets are being responsibly and professionally managed.