Guide to Investing

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.

Whatever stage of life you’ve reached and whatever your plans are, you’ll want your money to earn the best return possible without taking undue risk. That’s why it’s important to invest in a way that’s right for you and that will meet your goals.

Here a few handy tips to being smarter when investing:

  1. Why are you investing?

Your reasons for investing should be reflected in how you invest it. Sounds obvious, but if you’re looking to save for retirement, you’d approach it differently than if you were looking to save for your children’s education or a home in the sun.

  1. How long are you looking to be invested?

Some investment products are better than other for accessibility. So, if you’re just saving for a rainy day rather than something in the distant future, you should be looking to invest your money very differently.

  • Short term investments are general up to 5 years.
  • Medium term investments are anywhere between 5-10 years.
  • Long term investments are anything higher than 10 years.
  1. Make a well structured plan.

When you’ve decided what you’re willing and able to invest and for how long, you need to establish where you’re going to invest it and which products suit your needs. There is nothing to stop you from spreading your investments around and mixing risk or duration.

  1. Balance your portfolio.

Having a balanced and diverse portfolio can potentially protect you from ups and downs in the market. Different types of investments perform better with different economic climates so doing your research is key, you can do this by choosing different products, countries, market, industries or companies.

  1. Are you making the most of your tax allowance?

As well as deciding what to invest in, think about how you’ll hold your investments. Some types of tax-efficient account mean you can normally keep more of the returns you make. It’s always worth thinking about whether you’re making the most of your tax allowances too.

  1. Review your portfolio.

As time goes on, your attitudes, knowledge and goals will change and that’s fine! Just make sure that you manage your portfolio accordingly. If you become aware of changes in the market or in legislation, make changes in your portfolio to compliment these. You get out of it what you put in and that goes for time and effort just as much as the actual capital.

Seeking professional and personalized advice is always recommended. Your financial needs and circumstances are completely individual to you and you should treat them as such by seeking advice from an investment professional. Independent financial advisers have the ability to recommend products from all areas of the financial market and will provide you with a clear guide to establishing everything you need to make a smart investment that suits you.

Want more information? Check out our “Guide to Investing” in our Resource Center on

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