Capital at risk

The value of your investments can go up as well as down

When it comes to investing your capital is at risk. Investments fall as well as rise and you may get back less than you invest. Companies can and do run into financial difficulty. Even governments sometimes struggle to repay their loans. Inflation can erode the real value of your savings. Property can also be subject to large fluctuations in value. All this can make investing a risky business.

The bottom line is that no single asset class can be relied upon to produce safe, reliable and consistent returns. We believe that a diversified investment portfolio – with an appropriate proportion of cash, equities, bonds, property, commodities and alternative asset classes for your goals and risk tolerance – is a better way of maintaining and building wealth over the long term.

Past performance is not a guide to future performance

Unfortunately, a company which performs well one decade might find itself squeezed out by leaner competitors the next. Sectors go in and out of fashion and so do different asset classes, countries, even continents. While we do, of course, analyse past performance –and learn as much from it as we can – we never rely on it.

Investing is not a short-term option

We believe that people should only invest with the long-term in mind. This will give your investments more time to ride out any shorter-term fluctuations in the markets.

Why not book a free no-obligation meeting with us to discuss how we can help you?

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