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English Mutual Ltd
Head Office
22 The Tything
WR1 1HD.
Tel: 0845 603 3679
Fax: 01905 613222

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Investment Planning

It is the classic piece of financial 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 ensuring that a dream becomes 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 more money, to make a return.

Successful investment planning starts with a dream; a ‘goal’ if you like. 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 simply to preserve the value of your money in real terms against inflation?

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

For 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 are willing to take with your money the higher the potential for return; but it goes further than this, for you must also consider how much you can afford to lose in the event of things ‘not going to plan’. It may be that you are 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 to invest more money.

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

This is why, when making investment decisions it is important to take appropriate wealth management and financial planning 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 is all about regular review, ensuring everything remains ‘on track’ to achieve your ends and that your investment strategy remains appropriate in the face of any legislative developments and changes in your life, positive or negative.

English Mutual Financial Planners, aided by market leading risk profiling tools and award winning investment management, are able to help you make not only the right investment decisions but also achieve your objectives; to create the right balance in your portfolio, to deliver the performance you seek with no unnecessary risk.

If you would like to find out more click here to arrange an appointment with an English Mutual Financial Planner.

English Mutual Limited is an appointed representative of Sanlam Private Wealth UK Limited (which is authorised and regulated by the Financial Conduct Authority). English Mutual Limited and Sanlam Private Wealth UK Limited are both members of the Sanlam Group. Registered office: St. Bartholomew's House, Lewins Mead, Bristol, BS1 2NH, United Kingdom. Registered in England and Wales 3879955. English Mutual is a restricted financial advice firm, by which we mean that our recommendations will be restricted to the products and services of Sanlam where possible. In cases whereby Sanlam is unable to meet a client’s financial needs (for example where Sanlam does not offer a particular product), we will recommend an appropriate solution from the whole of the market.

Your home may be repossessed if you do not keep up repayments on your mortgage. A typical mortgage advice fee of £295 may be charged.The Financial Conduct Authority does not regulate Taxation Advice, Estate Planning, and some forms of mortgages. Equity release schemes can be very helpful but are not suitable for everyone. It is important to understand the risks and to understand the cost, the level of flexibility (if you might want to move home) and the possible impact on future state benefits. This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration. Equity release schemes are high-risk products and you should take advice before you make any decision about whether to use them. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.