The basis of investment is to use money to make money.
It’s about making good use of time in order to get a good return, so it’s about longer-term decisions rather than trying to second guess the market with short term trades.
The idea of having more money appeals to almost everyone. So why don’t more people invest?
Timing is one factor – you should approach an investment as money that you are prepared to lock away somewhere for at least five years without worrying. The sheer choice of investment vehicles and products available can also make investing seem incredibly complicated, even for people who’ve done it before.
At Perth Mortgage Centre we can make investing your money simple and straightforward. Our approach to investment advice is based on understanding your needs and how much risk you’re prepared to take. We can introduce you to worldwide investment opportunities from some of the UK’s leading fund managers. So wherever you decide to invest, you can be sure your money will be in professional hands.
Research by the International Longevity Centre and Royal London highlighted the benefit of financial advice when taking major financial decisions. The Value of Financial Advice looked at the finances of various groups of people, and makes a clear case for taking financial advice, with those who received financial advice £40,000 better off than those who hadn’t, on average.
Investing wisely is a case in point. The investment vehicle you select can have a major impact on your future wealth – and making final decisions on products that you know little about can be confusing, stressful and time consuming. Working with us means that you’ll benefit from informed advice, backed up by 30 years of practical experience.
Most investments offer the prospect of potentially higher returns than a deposit account, but there are no guarantees. So, your attitude to risk and ability to cope financially if a higher risk investment doesn’t pay off in the time period you have in mind will all help dictate the right vehicles for you to invest in.
It’s important therefore that you are open and honest with our adviser, as their recommendation will reflect the information you have given us.
One word of caution: if you don’t yet have adequate savings (money that you can access in the short-term to help cover unexpected expenses), then you should hold off considering any investment for now.
If the savings are covered, then there are many different options through which to make an informed investment. Here are just a few that we can help you with:
NISA is a tax-efficient product through which you may also be able to invest in certain stocks, shares, bonds or property.
Remember, when your objectives, risk and capacity for loss change for any reason, contact us immediately before making any decisions.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen