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.
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.
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.
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.
What our client sayView all Quotes
James offered a very professional service and was able to answer any questions I had. Really like the fact that I am able to review this as and when I like and track it online too.
Mr Davis, exeter
Following discussions with Paul, I was able to understand the saving options that were available to me, as well as clarifying my own attitude to risk. In turn, this enabled me to confidently assess the best way forward based upon Paul’s advice.
Mr Stokes, christchurch
He helped me decide how much to invest and how much to keep for daily living. He has always been clear and patient in explaining why he suggested certain routes to take and recently has reviewed my financial planning and we agreed on some Offshore Investments, a Discretionary Portfolio and Tax Planning.