financial services bristol

Investment Process

‘MONEY IS LIKE A SIXTH SENSE WITHOUT WHICH YOU CANNOT MAKE A COMPLETE USE OF THE OTHER FIVE’ W. SOMERSET MAUGHAM

At the start of the advice process is our ‘getting-to-know-you’ stage. We’ll need to ask you about your personal and financial circumstances, but we also need to know more about you and what makes you tick.

What are your financial and personal goals? Are you a risk-taker or do you have a more cautious approach? What level of growth are you anticipating? Are you investing for growth or investing for an income in retirement?

Assessing your attitude to risk is an important indicator of the type of investments that will suit you. We’ll ask you a series of questions and calculate your tolerance on a one-to-ten scale – one being the most risk-averse, and ten being the most tolerant.

Then, armed with information on your attitude to risk, and having discussed with you in detail what your score means, we’ll start looking into what opportunities are most suitable for you.

What are investments for income?

Investments for income are best suited to people who want an income from the interest paid out on their investments, often when they have retired. Interest payments, dividends or any other profit made can all form part of a retirement income.

What is investment for growth?

Investment for growth suits people who want excellent growth potential from their investments. It is often geared towards more risk-tolerant people, as growth investing is regarded as more ‘offensive’ while investment centered on income generation, tax reduction or capital preservation are generally more ‘defensive’.

What is ethical investing?

Ethical investing is an approach that aims to incorporate environmental, social and governance (ESG) factors into investment decisions, to better manage risk and generate sustainable, long-term returns. We introduced our ethical model portfolio service to meet increasing demand from our client base to have the option to choose sustainable and ethical investments.

Ethical Investing Brochure

If you would like some expert, bespoke advice on investment management, the team here at Hartsfield can help. Please get in touch.

 

European stocks fell into deeply negative territory on Thursday amid concerns that ongoing trade wars could weigh on global economic growth after data from Germany showed its manufacturing sector contracted for a fifth consecutive month in May while business confidence weakened to over four-year low. Tech and auto shares are among the worst performers. The DAX 30 lost 1.5% to 11,981, the FTSE 100 fell 1.1% to 7,257; the CAC 40 retreated 1.6% to 5,294; the IBEX 35 dropped 1.2% to 9,126; and the FTSE MIB slid 1.5% to 20,269 around 10 AM London time.
Gareth Lewis DipPFS (DM)
Russian Shares Hit New Record High...
The MOEX Russia Index broke a new record high of 2,601 during morning trade on Tuesday, amid rising oil prices and a stronger Russian rouble. On Tuesday, the Minister of Economic Development Maxim Oreshkin kept GDP growth outlook for 2019 at 1.3% and said technical recession in Q2 is not expected. At the same time, the OCDE revised higher its forecast for Russia economic growth to 1.5% in 2019 from 1.4% estimated in March.
Gareth Lewis DipPFS (DM)

 

Taxation of Investments

THE TAXATION OF INVESTMENTS GUIDE

To DOWNLOAD this FREE guide which sets out the basics of the taxation of investments, please click the button below:

 

Investment Planning

INVESTMENT PLANNING AND ASSET ALLOCATION GUIDE

To DOWNLOAD this FREE guide which sets out the basics of investment planning and asset allocation, please click the button below:

 

Making the most of ISAs

MAKING THE MOST OF ISAs

To DOWNLOAD this FREE guide which sets out the basics of making the most of ISAs, please click the button below: