Saving and investing
Whether you are looking to save regularly or invest a lump sum or whether you are concerned with capital growth or income, the type of product you choose and the underlying investment are important considerations. And with over 2,000 investment funds available, picking the right fund or mix of funds can be a tricky task.
At Protection & Investment we aim to ensure your investments meet your objectives, match your personal views on investment risk and are held in the right products – ISA (Individual Savings Account), Investment bond, unit trust, OEIC, Offshore bond, VCT - to maximise your tax allowances.
What’s more, we make sure your investments continue to work for you by reviewing your portfolio on a regular basis.
Check out our Top 10 ISA funds
Our investment process
Stage 1 – understanding your investment needs
What are your aims and objectives. Are you investing for growth or income? How long are you investing for? Might you need access to your capital? What’s your personal attitude to investment risk?
Stage 2 – asset allocation
It’s never a good idea to put all your eggs in one basket. That’s why we look to spread your risk by investing in different types of investment: from shares and bonds to property and cash. And we set an investment mix that matches your objectives and your attitude to risk.
Stage 3 – product selection
Selecting the right product with the right charges can make a significant difference to your investment returns. For example with a stocks and shares ISA, you have no tax to pay on income or capital gains making these a highly efficient vehicle for savings and investments.
Stage 4 – ongoing review
We will review your investments with you at least annually (and sometimes more often if necessary) to ensure they continue to meet your objectives and our performance targets.
Why Protection & Investment?
We have years’ of experience and specialist qualifications in managing investment portfolios for clients.
We regularly research the investment market and speak to fund managers throughout the year to ensure we continue to recommend the best funds available.
Whether you are looking for income or growth you can be sure your savings are in good hands.
Next steps
To discuss your saving or investing needs, contact us today for an initial no obligation consultation.
Do you have an existing investment portfolio?
We offer a portfolio review service which can give you the peace of mind that your investments are in the right place. We will review your aims and objectives, your existing investment funds and product wrapper and suggest changes where necessary.
Contact us now for a Portfolio Review.
We also offer advice on:
“ I knew very little about investing and previously picked funds with a random approach. Neil understands my needs and has found funds that not only give good returns but also meet my timescales - Miss N, London ”
