Ideally, this should be one that you fully understand and with which you are completely relaxed and happy. For example, you might need a very high income right now. Or maybe you prefer a lower income while building up your capital for retirement or another major funding requirement. Whatever your investment aims or ambitions, you are always able to discuss them with us on a no obligation and unbiased basis. Given that portfolios, as a whole, should be invested over a fairly long time-scale, perhaps the market strategy is just as important as the individual choice of stocks.
People vary enormously both in their circumstances and also in their individual financial needs.
It is important, therefore, for us to gain a complete understanding of your overall circumstances and investment objectives. We assess your current and future income and capital requirements, and consider your attitude to risk. Depending on your individual situation, our advice might also include broader investment areas such as PEPs, Pensions etc, as well as looking at such topics as Capital Gains and Inheritance Tax Planning. We can advise you on investment matters only if we are fully aware of all the important aspects of your individual financial circumstances. Indeed, it is a strict requirement of the SFA, our statutory regulator, that we observe this principle.