You have two choices when it comes to investing;
  • Active management – This is where you put your faith in professional fund managers, who make decisions on the best companies to invest in, based on many factors including thorough
  • Passive – This is where you choose investment instruments that simply mirror the performance of a group of shares, regardless of whether they go up or down.
As experienced advisers, we are in the perfect position to explore this with you in more detail, including what any costs are likely to be, and opportunities to blend both styles.

Accessing your money

We have already mentioned the different types of assets. When the time comes to withdraw all or some of your money, you will want the process to be completed with the minimum of delay and cost. In the majority of cases, this is easier with cash-based deposit accounts. But when investing, in certain circumstances, this is not always possible (for example if your portfolio was heavily invested in assets which cannot easily be converted to cash). A good example of this might be a property fund during a time when the commercial property market is unstable.


Fund-management groups’ charges vary and the cost of investment-management services will differ depending on the nature of the service provided (there are more details later). Cost is an important consideration as it will have a direct effect on the level of return you receive from your investment.


Lastly, the tax treatment of returns arising from investment, income and growth also varies. Reducing tax will be a key consideration when it comes to designing an investment portfolio to make sure the maximum return is made available to you.
As your adviser, we will consider the most suitable tax strategies for your circumstances.
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