Investment Advisers

Growing your money in line with your goals and risk profile

If you’re looking to fund your life goals, you’ll want the money you put aside to go as far as possible.

Compared to a bank or building society account, which you might consider when creating a ‘rainy day’ or holiday fund, investing your money gives it more potential to grow. Investing can therefore put you on the path to achieving those big future goals, like enjoying a comfortable retirement.

Investments involve putting your money into something (be it investment trusts and funds, property, precious metals, or even things like art, wine and whisky) for at least five years, with the aim of it being worth more when you come to withdraw it or ‘cash in’. However, there are risks associated with investing, and the value of your investment could go down as well as up.  

Investing: Balancing risk and reward

Investments come in many forms and carry varying tax implications, depending on your circumstances. Even if you don’t actively invest yourself, it’s likely that you already own financial products that make investments on your behalf – the most obvious example being your pension.

The world of investing is highly regulated, meaning many of the rules around it are set and controlled by an independent authority, the Financial Conduct Authority. However, some investments are not regulated, meaning you will have limited protection should things go wrong with them. For that reason, it’s always important to understand what you’re investing in, and what protection you might benefit from (if any). 

While it’s easy to be tempted by the promise of rewards, this should always be balanced by the recognition of risk. Generally speaking, the longer you remain invested, the more chance you’ll have of riding out the peaks and troughs of the markets and seeing a positive return on your investment. In any case, how much risk you end up taking with your money will depend a few key factors:

1) How much risk you need to take to achieve your goals (it may be more, or less than you think)
2) How much you can afford to lose
3) How uncomfortable you feel about the possibility of losing money

Given the many complexities and level of risk involved with investing, you should always seek the advice of an independent financial planning professional. They can help you make informed decisions about investing to help you achieve your longer-term goals, the type of ‘tax wrappers’ you should put your money in, and the risks you should (or shouldn’t) take.

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Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

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