Investment Advice
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.
Taxation can make a substantial difference on investment returns. Our aim is to take advantage of any tax saving opportunities open to you whether it be an awareness of your available personal allowances, mopping up your ISA allowances, making best use of any pension tax relief whilst few of us take advantage of our Capital Gains Tax allowances.
As independent advisers being able to deal across the market place allows us to take advantage of the most suitable investment providers and products 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?
Timescale
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!
The value of an investment can go down as well as up. Capital is at risk.
We Specialise in
- Wealth management
- Investing for income
- ISA’s
- Offshore investments
- Savings for children
- Tax wrapper optimisation
