A Guide to Investing

Creating and maintaining the right investment strategy to secure your financial future

Guide to investing

Welcome to our Guide to Investing.

It might seem complicated – and it isn’t for everyone – but investing can make your money work a lot harder. Whatever stage of life you’ve reached and whatever plans you may have for the future, you 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.

By setting aside some of your money now in investments that could appreciate over time, you’ll set yourself up for greater financial security in the future. Whether you want to build a pension for retirement, save a deposit for a house or generate extra income to cover an expense, any savings you may have been able to accrue that are not required to finance your day-to-day living may provide a more substantial return if you invest them.

Whether it’s a large sum or a small amount, there are many different ways to invest to suit most people. Once you’ve made the decision to invest, you can either invest a lump sum or invest monthly to build up your investments over time. In broad terms, those with a medium to long-term investment goal – five years or more – should consider stocks and shares given the historically higher returns offered by stock markets and to protect their savings against the impact of inflation.

Reviewing your needs and goals
A Guide To Investing:
Reviewing your needs and goals

The sooner you start investing, the better off you will be. This is a simple truth, and it is based on the fact that even the most… Read More »
Investment objectives - a lifelong process
A Guide To Investing:
Investment objectives – a lifelong process

If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months -and you want… Read More »
Understanding investment risk
A Guide To Investing:
Understanding investment risk

Your investment time frame will determine your risk profile to some extent, as this has a direct bearing on your capacity to take… Read More »
Maintaining a diversified portfolio
A Guide To Investing:
Maintaining a diversified portfolio

When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification… Read More »
Ethical saving and investing
A Guide To Investing:
Ethical saving and investing

Whether it’s termed ethical, responsible or sustainable investing, the aim is generally the same. It’s investing your money in businesses… Read More »
Investing in a fund
A Guide To Investing:
Investing in a fund

There are many reasons to invest through a fund, rather than buying assets on your own. At a basic level, investing in a fund means having… Read More »
Investing in a fund
A Guide To Investing:
Pooled investment funds

Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into a large… Read More »
Tracker funds and exchange traded funds
A Guide To Investing:
Tracker funds and exchange traded funds

Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into a large… Read More »
With-profits funds
A Guide To Investing:
With-profits funds

Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into a large… Read More »
Stocks & Shares ISAs
A Guide To Investing:
Investment trusts

An investment trust is a public company that raises money by selling shares to investors, and then pools that money to buy and sell a wide… Read More »
Stocks & Shares ISAs
A Guide To Investing:
Stocks & Shares ISAs

From July 2014, Individual Savings Accounts (ISAs) can now be used to hold stocks and shares or cash, or any combination of these, up to the… Read More »
Stocks & Shares ISAs
A Guide To Investing:
Lifetime ISA

The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This is a… Read More »
Investment Bonds
A Guide To Investing:
Investment bonds

Investment bonds are life insurance policies where you invest a lump sum in a variety of available funds. Some investment bonds run for a… Read More »

 

Time to identify which investment options are right for you?

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. To identify which investment options are right for your individual circumstances or to find out more, please contact Mercier Allen – we look forward to hearing from you!

To download the full guide please click here.

The value of your investments and any income from them can go down as well as up. The value of your fund may be less than you paid in.

Before you choose a SIPP, make sure you understand its aims and risks. A SIPP requires active management and investment expertise. You should make
sure you review your investments regularly. You normally cannot take an income from your pension until age 55.

Laws and tax rules may change in the future without notice. The information here is our understanding in October 2017. This information takes no account
of your personal circumstances, which may have an impact on tax treatment.