Lump Sum Investment Advice

In financial markets, higher returns are associated with higher risk or volatility. Now more than ever, there is no such thing as a risk-free product. Instead, look for diversification and appropriate investment to enhance your financial security and get the best return consistent with the risk level you are comfortable with. We will help you navigate the complex minefield of investments to ensure you get an investment appropriate to your needs.

With deposit rates at an all time low and with no improvement in sight in the near future, you are actually losing out by investing in deposits. Interest rates will not keep up with inflation, meaning that the actual value of your money will be less as time goes by. By investing in something with a little risk, you are likely (but not guaranteed) to get better returns than deposits.

The process of setting up an investment will involve application forms, risk assessments, fact finds as well as anti-money laundering documentation/identification requirements. We will make the paperwork easy for you and ensure your investment is set up properly.

Things to watch out for:

• No such thing as a free lunch – do the quoted returns sound high? If it sounds too good to be true, it probably is.
• What happens to your investment if inflation increases?
• Who provides any guarantee?
• Is counterparty risk a factor? Counterparty risk is where an institution other than the one you are investing with provides a guarantee, or whose default may substantially impact your investment.

Sustainability:

We consider the adverse impacts of investment decisions on sustainability factors in our Investment Advice and our Insurance Based Investment Advice, both at the initial stages of our research, in our recommendations and annually as part of the investment services we provide to our clients.

An assessment of sustainability risks are integrated into our Investment Advice and our Insurance Based Investment Advice through the following means: The product information provided to us by the Product Producers and Insurers on the integration of sustainability risks; Our professional interrogation of the information provided by the Product Producers and Insurers.