Savings and Investments

ISAs, OEICs, investment bonds, cash deposits, unit trusts, on-shore, off-shore, ETFs, shares or national savings

Where do you start?

Understanding investments can be very confusing. Investors often stay with what they feel familiar and comfortable with. Often this can lead to disappointing returns on their savings, especially during the present economic conditions with low rates of interest and the constant threat of inflation devaluing the real strength and value of their investments.

There are of course many types of ways to invest. It is important to understand what our clients are investing for and more importantly, the level of investment risk they are comfortable with. We establish these facts and help our clients realise the investment returns they are seeking without the cost of a sleepless night.

We undertake a full financial review (including an essential fact finding exercise), before any advice can be given. We need to have a full understanding of your financial circumstances, objectives and attitude to risk prior to any recommendations being made. We take into account your tax position, existing investments and any individual preferences, i.e. ethical funds or company preference.

Many of our clients have already had some investment experience; some good and some bad. Many clients have purchased poorly performing investments which are neither cost effective nor of suitable risk. Some are also very costly.

Many of our clients are relatively cautious when it comes to investing or saving because they know the difficulty in acquiring monies. They often do not want to expose themselves to undue risk, although they appreciate there is no such thing as a risk-free investment because all investments carry a degree of risk.

As independent financial advisers, it is imperative we justify our recommendations to clients and regularly place investments with such reputable, high quality investment houses as Fidelity, Invesco Perpetual, AXA, Legal and General, Standard Life, Aegon Scottish Equitable and M&G, to name but a few.

We will review a client's existing portfolio to ensure the client is aware of what they have and to establish if it still meets the client's needs, investment objectives and investment risk profile. Your personal financial circumstances can change and so can your investments as new products and services become available.

Wealth generation and wealth preservation are essential steps in creating financial independence.

Contact Ashbourne Independent Financial Solutions for an initial, no-cost, obligation-free discussion when more can be explained about our services and how we can help you. >>>

"WARNING: NO INVESTMENT DECISION SHOULD BE TAKEN BASED UPON THE CONTENT OF THIS SITE. ALWAYS TAKE FULL ADVICE FIRST.

THE REGULATIONS GOVERNING TAX RATES AND INVESTMENTS MAY CHANGE IN THE FUTURE. PAST PERFORMANCE OF AN INVESTMENT IS NO GUIDE TO ITS PERFORMANCE IN THE FUTURE. RISK CAN BE BROUGHT ABOUT BY PERFORMANCE OF WORLD MARKETS, INTEREST RATES, TAXES ON INCOME AND CAPITAL AND FOREIGN EXCHANGE RATES. YOU MAY NOT NECESSARILY GET BACK ANY OF THE AMOUNT YOU INVESTED. FUNDS THAT INVEST IN SMALLER COMPANIES' SHARES TAKE ON THE RISK THAT THOSE SHARES CAN BE RELATIVELY ILLIQUID; MEANING THEY ARE HARD TO TRADE, WHICH MEANS THE FUNDS THEMSELVES CARRY A HIGHER RISK.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE DEPOSIT ACCOUNTS AND SOME TYPES OF ISAs."

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