Asset allocation is the assets or markets you invest in, and you may be struggling to figure out how to build your portfolio, including stocks, bonds, cash and commodities.
Asset allocation is one of the most important investment decisions you’ll make. It’s instrumental to your investment success and the main driver of long-term performance.
If you invest too cautiously, then you might not get the returns you desire. If you invest too aggressively, then you might be taking on more risk than you’re comfortable with.
A financial adviser can help you to create an investment portfolio with an asset allocation tailored to your risk tolerance and goals.
Assets such as stocks and bonds perform differently. For example, one year stocks can go up and bonds can go down.
As a result, your asset allocation might change over time. To maintain your asset allocation, you must regularly rebalance your portfolio.
Regular rebalancing keeps your portfolio aligned with your risk tolerance and goals. It ensures you maintain the right balance of investments as defined by your needs.
Financial advisers can review your portfolio objectively and help you to rebalance as required to keep you focused on your long-term goals.
A small amount invested early can grow into a significant sum. This is the power of compound interest.
Well, this same power applies to costs, except it can work against you. Every fraction of a percent you unnecessarily pay in fees can eat into your future returns.
Fund and platform costs can vary widely. And when these costs compound over time, they can have a significant negative impact on your returns.
Financial advisers can help you to reduce your charges by selecting platforms and funds with an optimal fee structure, thus ensuring you keep more of your returns.
As humans, we like to think of ourselves as rational. But ultimately, we are emotional creatures.
Few things provoke as much emotion as when the value of your investments go up or down. It’s these emotions that lead us to make irrational decisions that are often costly, both in the short and long term.
Often, we sell when we should buy, and we buy when we should sell. But the right decision is almost always to stay the course and stick with your plan.
Financial advisers can provide you with rational, objective advice, ensuring you stay the course and reap the long-term benefits you desire.
You know you want to legally minimise the amount of tax you need to pay. Fortunately, the UK offers a number of tax-efficient investment vehicles, which enables you to grow your investments free from capital gains tax.
But should you be investing in an Individual Savings Account (ISA) or a self-invested personal pension (SIPP).
Selecting the right tax-efficient vehicle for your investments can be just as important as any other decision you make.
Financial advisers can help you to work out which investment vehicle is best for you based on your situation by taking into account your current tax rate and tax implications when you need to withdraw money.
Eventually, you’re going to want to withdraw money from your nest egg. For example, to support you during your retirement.
But which account should you withdraw from first? Which investments should you sell and which ones should you keep?
As you know, it’s important to withdraw your money in a tax-efficient way. It can save you thousands of pounds every year and make a significant difference to your investments.
Financial advisers can help you to craft a withdrawal strategy to ensure your withdrawals and spending are as tax-efficient as possible, while maintaining the right balance of investments to support your future needs.
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