Whether you wish to invest a lump sum or save a regular amount to build up a sum of money, our independent advice can help you understand the options available to you and can recommend the most appropriate solution for your needs and objectives.
Saving and investing has been under pressure in recent years, and it is more important than ever to get sound independent advice and plan wisely. Before VSL make any recommendations, we will review your current budget and the level of risk you can manage will be discussed and assessed and then tested using modern psychometric techniques. When considering the level of risk to take it is important to focus on the potential of negative returns as well as the potential for positive returns. Objectives and timescales to achieve them are also important considerations – for example, more risk may be taken for a longer-term objective such as retirement planning, whereas less risk or no risk may be more desirable for short-term objectives such as saving for a new car or holiday.
The second step is to ensure that you have enough liquid funds available as an emergency fund. These funds are usually held in an instant access deposit account or Cash ISA.
Once the amount remaining available for savings or investment has been established, our adviser will guide you through your options taking into account your tax position and access requirements in conjunction with our previous discussion and recommend a suitable solution for you.
VSL use a range of investment solutions from single funds to managed portfolios and both passive and active investments. Our aim is to provide solutions that behave as expected over a period of time and to avoid any unpleasant surprises. It is recommended that savings and investments are reviewed on a regular basis.
Investment and pension risk warnings:
The value of pensions and investment and the income they produce can go down as well as up and you may not get back the full amount that you originally invested. Past performance is not a guide to future performance.
The Financial Conduct Authority does not regulate Estate planning, Tax planning and Cashflow modelling.
"Investing should be like watching paint dry... if you want excitment take $800 and go to Las Vegas"
: Paul Samuelson