The key items we will talk through with people in your situation to build a solid strategy include:
- Understanding your investment time horizon;
- Previous investment experience;
- The different investment options available to you;
- Risk. Whilst income may seem the most important objective it is important to consider credit (or default) risk in seeking high income. The examples of the past include solicitors mortgage trusts and other property development loans which were not safe.
- Taxation to make sure you are not paying more than you have to; and
- The options available to achieve your objectives. We tailor Individual portfolios based on personal preferences and this can mean a higher level of cash for one investor compared to another.