Savings and Investments

The world of savings and investments can be confusing. From ISAs to savings accounts, and stocks and shares there are a wide choice of options for someone looking to make some investments.

Anderson Lloyd can help you use your spare cash to accumulate wealth whilst ensuring that it is being conserved in relation to the amount of risk that you wish to take. More importantly we understand the importance of regularly reviewing portfolios to ensure that they are achieving their objectives.

This is possible because of a robust investment process which focuses on the client, their situation, tax status, need for income or capital accumulation, the time horizon for investing and finally on their understanding of the relationship between risk and return.

Whilst like most Financial Advisors we use independent risk assessment tools, we  use these as a means to discuss the issue with each client to ensure that the concept is fully appreciated.

We are committed to bring together a panel of professional partners in the investment field who have investment processes that match the differing requirements of our clients.  These partners are discretionary portfolio managers, who provide  either individual bespoke portfolios or who have created a series of risk rated models to match the risk profiles of all of our clients.

The benefit to our clients of working this way is that it reduces investment overlap which is an inherent problem with IFA built portfolios of collectives; there is a wider spread of asset classes and portfolios are actively managed on a daily basis.

Our Investment Committee regularly interview managers and once chosen, monitor their performance on behalf of our clients.Principally, we are looking at how each management team manages downside risk, how they build their portfolios and models and what they charge for their services.

As we are whole of market advisors we are able to tailor portfolios to our clients needs who then can have as much control over the day to day investment decisions as they wish.

Essential to our process are regular reviews. As time goes by attitudes to risk changes, as do people’s circumstances.  So, in line with our clients wishes we offer review meetings on a regular basis together with quarterly reports and meetings with fund managers to ensure that everything is going in the right direction.

Starting out

Whether it be saving for a deposit, wedding or just accumulating savings we can advise you on how to efficiently invest your money so that it is tax efficient, cost effective and matches your attitude to risk.

New family

Disposable income may be low but you will have the children’s future to be thinking about. We can help you to devise a strategy to be able to pay for university or private school fees. This may be either as a regular contribution or through lump sums. Again saving tax efficiently will enable your pot to grow quicker.

Children growing up

It will be important to review your investments to ensure that they are performing as expected and to ensure that you diversify your risk. One type of investment may not be suitable and you may wish to spread your risk through varied investments as overlaps in portfolios may expose you too more risk than you are prepared to take. You may wish to start withdrawing your investments in the right way, it is essential to receive advice and to have a strategy on how to do this so it can be done tax efficiently.

Retiring

Your objectives may change into retirement, the investments that you have may be more geared towards income generating funds or you may wish to reinvest. Taking income is taxable so it is important that you do this efficiently and in a timely manner. Your attitude to risk maybe more cautious and it essential that your investments reflect this.