If your capital is not providing more return than the income you are taking, then you will use up the capital. It is important to look at the sustainability of the income being taken.
Our investment specialists will talk with you to understand your needs and objectives to be best able to advise you on how to invest your capital to provide the income you need.
Sustainable Income
If you need the income for life, then the sustainability of that capital/income is important, otherwise you could run out of money. It is therefore important that any investment is providing more income than you are taking.
To discuss your income needs and how to have a sustainable income with your local adviser, contact us.
Managed Investing
When investing capital diversification is key (not keeping all your eggs in one basket!). If you invest into just one type of asset, it presents a higher risk on the capital.
This will either mean that you will do very well, or lose capital. By diversifying across different assets, it helps create more balanced returns over the medium to longer-term and reduce risk.
Tax Planning
Unguided the profits from investing can be eroded through taxation. There are many ways to reduce the taxation on investments and as part of our service we are always looking at how you can reduce the tax you pay on your investments so that you keep more of your profit.
Contact your local investment adviser
We have offices across the South of England ready to help and advise on your capital and investment needs. Contact our investment advisers today to find out more and discuss your needs.