Investments – Building Wealth – Punter Southall Financial Management
Interest available on cash deposits is traditionally lower than inflation. The purchasing power of those deposits will therefore reduce over time.
Investments made either through a lump sum or regular premium can be tailored to your own requirements. The two most important questions are:
- What level of risk are you prepared to take?
- What is the anticipated investment term?
Any investment contains an element or a degree of risk. There are also many different kinds of risk (for example, capital or liquidity). We will establish with you exactly what level of risk you are inclined and can afford to take. We then look at what level of return you are seeking before coming up with a personal “Strategic Risk Allocation”.
Non-cash investments should be held for a minimum term of 5 years. Greater returns are usually achieved by investing in a number of different asset classes such as shares, government and corporate debt and commercial property. This is not a complete list, but the use of a wider range of asset classes will reduce volatility with the aim of achieving above inflation returns in a risk-controlled manner.
When making these decisions, it is important to consider your personal tax position and whether you use your annual ISA and annual Capital Gains Tax (CGT) allowances.
Get in touch and we can help to put you in touch with the Planner who is right for you. There are many ways you can contact us. Call or email for general enquiries, for something more specific use our enquiry form.