Through tailored investment advice, our independent financial advisers can plan, grow and protect your personal portfolio to help fund your future. 

Why invest?

Investing is about proving the potential to make your money grow more over a reasonable time that might not be achievable through other savings routes. 

Part of investing effectively is through building a secure financial plan that aligns with your future goals - this is where our independent financial advisers can help.

Information - Investment involves risk. The value of investments can fall as well as rise. You may get back less than you originally invested.

Investment planning

Investments are crucial for a successful financial plan.

Whether you are a beginner in investments or looking to adapt to changing circumstances, having a solid plan in place is crucial. Ascot Lloyd can assist you in establishing the right investment strategy that aligns with your financial goals and helps you utilise your wealth in the best possible manner and adjust the plan as your goals or circumstances change throughout your life.

Benefits of investment planning with Ascot Lloyd

Deciding where and how to invest is important, no one size fits all. Our advisers will work to understand your life goals and work out a full financial plan to meet your aims, keep you tax efficient and measure against your aims.  

There are many benefits to you of working with Ascot Lloyd, such as;

Being independent

Being an independent financial advisory firm means we are not tied into certain partnerships or product solutions; therefore, after reviewing any existing arrangements you may have, we can search the whole market to find the most appropriate solutions to help you reach your financial goals. We do all the due diligence for you on any investment companies that operate in the retail sector so you can be assured that your money is held by respected and secure firms. On the other hand, restricted advisers can only recommend products from a specific group of providers or a single company, which may limit the options available to their clients.

Goal setting

Whether you are new to investments or want to re-evaluate your existing portfolio, our expert advisers work with you to develop a personal investment portfolio that reflects your goals. Depending on your goals we can apply active or passive investment strategies and where appropriate a mixture of both. 

Risk management

Understanding your tolerance for risk and capacity to withstand or ride out losses is important in the financial planning process, as your ability and willingness to accept risk will determine the suitable range of assets for your investment.

Portfolio diversification

It is important to balance risk and reward. Our advisers will do this spreading your investments so that your exposure to any one asset or type of asset is limited.

Regular reviews and adjustments

We monitor not only the performance but how your goals, risk requirements and any other life circumstances change over time. Your portfolio will be reviewed regularly to ensure it remains suitable for your needs.

Access our independent investment advice today

Take the complexity out of investing and contact our team of experts about your investment planning options.

Request a callback

Frequently asked questions
about investments

How much money should I be investing?

To answer that you first need a clear understanding of your financial goals, as this will help you decide how to balance current against future spending.

Ask yourself: what financial assets do you already have that you can use to achieve your goals? What investment return do you require to achieve your financial objectives? And what additional savings may be required now or in the future? A lot will also depend on your risk appetite. An Independent Financial Adviser will guide you through these questions and establish an investment strategy that gives you the best chance of achieving your long-term financial goals.

How tax-efficient are my investments?

The amount of tax you pay on your investments will generally depend on your personal circumstances, the type of investment and whether you are taking income from them. This might be from interest or dividends – or selling, in which case you could be liable for tax on your profits. However, UK tax is complex and there are many useful tax-efficient vehicles, reliefs and allowances. You probably know about ISAs and Pensions but there are others you may need to know about if you are already fully using those.

Find more details on efficient tax planning.

How much investment risk should I take?

Whatever you do with your hard-earned savings involves a level of risk, even bank deposits. Many people choose to leave a significant sum in cash, oblivious to how inflation can reduce its value over time. Your expected investment return is the financial reward you expect to receive for accepting a degree of investment risk. The more risk you take, the wider the range of potential outcomes. Additional risk can therefore lead to higher or lower actual returns than you would otherwise have achieved. So, you must balance your desire to receive a potentially greater return from a riskier investment with a lower return from a less risky investment. An Independent Financial Adviser will help you make an informed decision about your risk appetite.

Do I need investment planning?

When it comes to money, risk is inevitable – but it isn’t wise to take on additional risk by opting to build your own investment portfolio or to take on more risk than you need to in order to meet your goals. Most private investors fail 67% of the time without the right skill and information to hand. By investing in different asset classes and global territories, a portfolio typically becomes less volatile, managing risk by diversity. Our clients want the same thing, the best possible return from the least amount of risk, regardless of whether you are a high or low risk taker.

Independent financial advisers can build investment portfolios with the optimum mix of assets to meet your financial goals and maximise your possible returns for the level of risk you are willing and able to accept.