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Investment Planning

There are many different ways to grow your wealth from aiming to ensure you receive the best rates for short term cash management to a more complex undertaking of creating an investment portfolio to grow your wealth for the longer term.

Whether you are considering a new investment or reviewing the suitability of your existing portfolio Optimum have the investment and taxation expertise coupled with extensive knowledge of the market place to create a suitable investment strategy to best suit your risk and taxation profile.

As independent advisers being able to deal across the market place allows us to take advantage of the most suitable investment products/& funds in their respective fields.

However, we understand that no two people share the same financial situation or goals. Before making your investment choice it is therefore crucial to consider some fundamental questions.

Investment Objective

Are you looking to produce capital growth, are you in search of an income in today's low interest rate environment or indeed, a combination of both.


Time invested (and not the timing of an investment) is key and research shows the longer an investor remains invested the greater the chance money will be made.

The first step in portfolio construction is therefore to consider what proportion of funds are required for "rainy day"/emergencies and short term needs which in turn, allows an investor to allocate the right proportion of funds with the aim of locking into the potential superior returns of a longer term investment strategy.

Attitude to Risk

Recent market conditions have reinforced the importance that any investment strategy continually matches your attitude to risk which is largely determined by the type of assets held and the investment timescale.

In our experience whether you are a cautious or perhaps an adventurous investor the biggest risk is that you do not fully understand what assets are being held. Making money is important but not at the expense of not being able to sleep at night!

Once your investment strategy is in place it is equally as important to agree an ongoing review process. Changing personal circumstances, new taxes and legislation, unpredictable market conditions will all need constant appraisal as we help you keep your investments on track.

Please see the specialist wealth management qualifications held by our consultants in "Consultant Profiles".

The value of investments and income from them can go down as well as up and is not guaranteed.

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