Order your investments with quality investment planning
The phrase “failing to plan is planning to fail” is a general adage particularly applicable in the specific area of investment planning.
It is therefore remarkable that recent research* showed that 60% of us would call in an expert to repair our car, but only 23% of us would ask for investment advice on our investment planning.
Let us help with your investment planning – contact us online with a investment planning enquiry
As the last decade has shown, the value of investments certainly can fall as well as rise, and funds investors who availed of qualified investment planning services fared far better than those who neglected their investments planning, or undertook funds investments with no investment planning advice.
Keeping funds investments on track by monitoring and switching to better-performing funds is one of the investment planning services that has, quite literally, paid huge dividends in the last ten years. Taking the investment planning services of a good investment planner can also give access to a number of ready-made investment portfolios, covering a number of risk profiles, that can take the uncertainty out of funds investment planning.
The recent turbulent times on the stock markets have wreaked havoc with the performances of UK-based funds. The list of funds now classified as ‘serious underperformers’ has grown to 90, including some of the largest investment funds in the country. In such unfavourable market conditions, good investment planning, and seeking professional investment planning advice, are crucial to avoiding losses.
Only an independent investment planner can provide top-class investment planning advice, based on the state-of-the-art software needed to track and monitor funds investments.
Investment planning for retirement
The survey mentioned above also noted that only 14% of respondents would ask a qualified adviser for help with their investment planning for retirement. However, expert opinion** shows that investment planning advice when purchasing your pensions annuity can add 20-30% to your income in retirement.
Investment planning for the short to medium term
There are many options available for investment planning for the short to medium term. Those with young children, for example, may wish to put aside an investment that will mature after 15 years, specifically designed to fund their children’s college education or provide a deposit on a first home.
Good investment planning can include various options for investing in young UK companies, for example. Venture Capital Trusts (VCTs) offer up-front tax relief of 30% on investments running for a minimum of 5 years. Enterprise Investment Schemes (EIS) offer 20% tax relief with a minimum 3-year investment horizon.
At the end of the market where investments planning meets savings planning, the use of Individual Savings Accounts (ISAs) can enable investment of up to £10,200 per year, half in cash and half (or all) in stocks and shares. With tax-free growth on the income, ISAs are the nation’s most popular savings and investments planning option and are now held by over a third of households in the UK. In the current low-interest-rate environment, the cash ISA is less popular than the wide range of stocks and shares ISAs that are available. In choosing a stocks and shares ISA, again, good investment planning advice is the best way of locating the option best suited for you.
Are you interested in asking professional help with your investment planning? Make an investment planning enquiry here or call freephone 0800 678 5929 now
*Source: financial advice research company Opinium Research survey of 2,065 UK adults
