Investments and Savings
Financial planning helps you define your long and short-term goals. It is our role as your independent financial adviser to help you achieve them.
Whether you’re looking to retire early, pay for your children’s education or enjoy a round-the-world trip, it is vital that you manage your savings and investments effectively to grow and protect your money.
Understand the risk of different types of investments
There is no such thing as a risk-free investment but, at Ermin Fosse, we place your best interests at the heart of every decision to deliver superior outcomes for your portfolio.
As well as determining your financial goals, you need to assess the risk you are willing to take – by taking a considered level of risk, you may be able to earn higher long-term returns. At Ermin Fosse, your investment advisers can help you balance your portfolio in line with your risk-appetite and find the optimum solution for your valuable assets.
Our Investment Proposition
We understand that your financial circumstances, objectives and risk-appetite are unique. As independent financial advisers, we’re not tied to any bank, investment house or insurance company, so you can be confident we’ll assess the whole market to find a personalised solution that suits your needs.
Five steps to successful investing
Step 1: Understanding your financial objectives and risk appetite
Our first step is to understand your financial circumstances and identify your goals. By considering your circumstances together with your attitude to risk, capacity for loss, risk level and time frame required to achieve your objectives, we can help define the right solution for you.
Step 2: Selecting the right tax wrapper
Depending on factors, such as, how much you are investing and your tax status, we choose the right tax wrapper to hold your investments. This can be an ISA, Pension, Investment Bond amongst others.
Step 3: Allocating assets effectively
The type of assets held in a portfolio has a significant bearing on the overall returns you can expect. Your investment adviser will determine the assets you should hold in your portfolio to fit within your agreed risk profile and investment strategy.
Step 4: Selecting the right investments
The next step is to select the most appropriate investments for you. With our breadth of expertise and in-depth research, you can be confident your portfolio will be highly diversified and designed to suit you.
Step 5: Reviewing your portfolio regularly
With market fluctuations, changes in your circumstances or your appetite for risk, we look to regularly review and rebalance your portfolio to ensure it continues to meet your needs. Changes in legislation and tax can also impact the suitability of a portfolio.
Nigel Barthorp
Investments and Savings Expert
A substantial proportion of those at retirement will live for
Years old
SOURCE: GOVERNMENT ACTUARY’S DEPARTMENT
The numbers of people in England and Wales aged 60+ who are divorced more than trebled from 404,000 in 1991 to 1.3m by 2011.
said they “lack confidence” when it comes to managing their money.
In 2013, of 5,079 adults surveyed,
SOURCE: MONEY ADVICE SERVICE
SOURCE: MONEY ADVICE SERVICE
This information on this website does not constitute a recommendation or invitation to invest or refrain from investing or represent any financial planning advice. The information is based upon current HMRC rules and can be subject to change.
Past performance is not indicative of future results and no representation is made that results where stated, will be replicated. Investment values rise and fall and the value of them is not guaranteed. On encashment you may not get back the amount invested.
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