Investments

Savings and Investments

For ISAs, Unit Trusts, Onshore and Offshore Bonds and other schemes.

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INVESTMENT PROCESS

OUR INVESTMENT PROCESS FALLS INTO 4 KEY STAGES WHICH WE ENDEAVOUR TO FOLLOW WITH ALL CLIENTS

STAGE 1

• We will discuss Aims and Objectives – Do you want to achieve income, growth or a combination of both?

• We will assess your risk profile and capacity for loss so we can tailor our advice.

• We will assess your tax position to ensure you use all available allowances.

STAGE 2

• We will consider Asset Allocation. We believe in diversified portfolios that spread your funds across Cash, Bonds, Equities, Property and Alternatives.

• The extent of exposure to each asset class will depend upon your risk tolerance.

STAGE 3

• Having assessed risk and considered asset allocation we will then seek to identify the strongest funds across relevant sectors principally including:

  • UK Equity / European Equity / Global Equity

  • Managed Funds

  • Fixed Interest Funds

  • Specialist Funds

• In identifying the strongest funds we look at quartile consistency over a 3 to 5 year period rather than short term performance ‘spikes’.

• We do not recommend new to market funds. All funds must have a 3 year track record.

• Where possible we will also use funds recommended by industry recognised qualitative and quantitative analytics to ensure our quality of recommendation.

• We also consider the financial strength of any provider.

STAGE 4

• We will undertake regular reviews, at least annually, to ensure that the recommendations remain pertinent to your current circumstances at the time.

• We will undertake any necessary rebalancing or fund switches as deemed appropriate.

• The review will ensure that future tax allowances are utilised if possible and appropriate.

Please note that this process as outlined may be altered or adapted depending on individual client circumstances.

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The value of investments may fall as well as rise. You may get back less than you originally invested.

Contact us now to enquire further.
 

Shaun Start Financial Planning is authorised and regulated by the Financial Conduct Authority.

Principal: Shaun Start.

Shaun Start Financial Planning is entered on the FCA register (http://fca.org.uk/register/)

under reference 228614.

To understand how Shaun Start Financial Planning collects, treats and processes your personal information please click the button below to download our customer privacy notice.