Investments & Savings

Saving isn’t something you only do for yourself – you do it for them.

Financial planning does not begin and end with investments and savings, but they’re a good place to start. To get the right balance, we need to incorporate any planned expenditure (such as school fees) and make contingencies for the unforeseen.

Our Investment Decision Process

Take a look at the four steps below to find out more about our financial planning process.

Step 1

Set Investment Objectives

Step 2

Develop An Asset Allocation Plan

Step 3

Evaluate & Select Investment Opportunities

Step 4

Ongoing Portfolio Review

Contact us to arrange a free, no obligation, initial consultation.

You need to establish the right investment vehicles to create a unique portfolio to achieve your objectives, but this is a detailed process with many factors to consider.

The stage you are at in your financial planning (your ‘timescale’) will have a significant bearing on your choices and how best to achieve your goals. The same is true of what income you require from your investments, and when, and other potential calls on your money.

For example, you may need a certain income from your annual investments but also need to liquidate other funds to finance something such as a loved one’s education or a business expansion. Longer-term investments generally mean there is more time to ‘ride the storms’ of volatile markets.

Another important consideration is your attitude to risk: higher-risk investments have the potential for higher returns but also greater losses. We will also ask you about your capacity for loss and examine the tax liabilities of any investments: we like to keep as much money as possible in your pocket, not HMRC’s!

We need to understand the impacts and influences of all such factors before considering where best to invest your funds.

Once we understand your unique situation and aspirations we can develop an asset allocation plan.

Crystal Wealth advisers are unanimous in our belief that the best way to achieve your goals is to adopt a multi-asset approach, combining asset allocation, manager selection and ongoing portfolio management. Multi-asset funds are ‘one-stop’ investment vehicles that access a diverse portfolio and are aligned to risk/reward preferences. Highly experienced investment professionals decide where and when to invest depending on a myriad of prevailing forces.

We are proud to work with Rayner Spencer Mills (RSM) specialists in fund research and analysis.

Ongoing review is highly recommended

It is vital to review your investments, on a regular basis in light of changes to your circumstances, objectives, economic conditions and fund performance. Properly managed, fund allocations can be adjusted quickly to adapt to changing economic conditions or to capitalise on opportunities. You may wish to manage your own funds or to take advantage of Crystal Wealth’s expertise and access to specialists.

*Should you choose to have Crystal Wealth manage and regularly review your assets then we have a number of ongoing service propositions available for which we charge an additional ongoing fee.

The value of an investment may go down as well as up and you may get back less than you originally invested. Past performance is not a guide to future performance.

Contact us to arrange a free, no obligation, initial consultation.