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Wealth Planning Advice for Private Clients

Capital Creation & Investment Planning


It is the classic piece of Wealth planning advice: Spend some, save some. 

It's advice that's difficult to argue with; making sure that you have an emergency fund, a bit of spare cash for that much lauded 'rainy day' or to make that dream become a reality; and once that capital is created, many people seek to invest it, to make it start working for them, to turn that money into something more.

Successful Wealth planning begins with a goal. Before investing any money a simple question must always be asked: what do you want to achieve from your investment and when? Is it to supplement retirement or to fund school fees or higher education? Is it to provide growth or income? Or is it simply to preserve the value of your money in real terms against inflation?

From there it’s possible to calculate what growth is needed for your plans to come to fruition, but this is only half the process.

Once goals, timeframes and desired growth rates have been identified it is important to understand 'risk'. As a rule of thumb, the more risk you’re willing to take with your money the higher the potential for return, but also greater is the potential for loss.  You must consider how much you can afford to lose in the event of things 'not going to plan'. It may be that you’re not willing or cannot afford to take the risk necessary to achieve your investment goals; it may be necessary to think again, to downsize your thinking or expectations.  

Investing money wisely requires consideration, understanding, care and vigilance.

That’s why, when making investment decisions it’s important to take appropriate advice; to help you identify your goals, ascertain timeframes and required growth rates, understand your position in relation to risk and ultimately, to select the investment vehicles appropriate to both your needs and tax position. Then it’s all about regular reviews, checking whether everything remains 'on track' to achieve your ends, or taking appropriate action if not. Ensuring that your investment strategy remains appropriate in the face of any legislative developments and changes in your life, positive or negative.

Our Wealth Planners, aided by risk profiling tools and award winning investment management are able to help you make investment decisions keeping your objectives and circumstances central to the process; to create the right balance in your investment portfolio.

Investing and saving; creating confidence, creating choice and making memories.

To discuss your retirement planning in detail click on the contact us box to the right to arrange an appointment with a Sanlam Wealth Planner.

All investments carry risk, although the amount of risk, or the type of risk may vary considerably.  For example, the risk may be that the value of your investment fails to keep pace with inflation, or that in trying to achieve growth in excess of inflation, the value of your investment can both rise and fall. Depending on the type of investment made, you may lose some, or all of your capital.
 
We would recommend that you only take as much investment risk as necessary to achieve your financial objectives; but never more than you are comfortable with.
 
Any tax treatment is dependent upon individual client circumstances and may be subject to change. The Financial Conduct Authority (FCA) does not regulate taxation and trust advice or legal advice. 

Investing involves risk and the value of investments and the income from them may fall as well as rise and are not guaranteed. Investors may not get back the original amount invested.