Whether we’re helping clients plan for retirement or manage their wealth, their attitude to risk and the construction of their portfolio represents the starting point for the advice we give.

There are four main asset classes available to investors. These are cash, fixed interest and bonds, property and finally equities.

By spreading investments across the four asset classes (known as diversification) we ensure they participate in the returns from each sector, without over-exposure to any one area.

The impact of a sudden fall in the stock market is reduced if part of the portfolio is in cash, fixed interest or property. Equities have however proven to be the best performing asset class over the long-term, so having no exposure to the stock market could limit returns.

Changes in government legislation, market dynamics, fund performance and charging regimes mean regular reviews are necessary in order to stay on track.

For complete transparency and peace of mind, the performance and value of all your investments can be viewed online at any time.