TOP TIPS FOR NEW INVESTORS

If you’re new to investing and looking to start, here are some top tips to be aware of, so you can make the best decision for you. As investment advisors, we aim to impart as much knowledge as possible, so that you are fully aware of your needs and goals and how you can achieve them.

1. Think long-term
You don’t have to have hundreds of thousands to make an investment as many may think. If you are looking to make an investment, monthly payments are often allowed, which can break down large costs and make your investment much more reasonable. One aspect to consider is that once you invest, your money will be tied up, so only invest if you know you can comfortably afford it.

2. Think about your investment
Whatever you are hoping to invest in, there are always risks. However, these risks could eventually bring you great benefits. If you invest in gold, for example, you’ll certainly be guaranteed a good return when the time comes to sell. The price of gold generally rises and is regarded as a safe investment. Buying property may also be considered as low risk, as you can rent out your properties and sell them on when property prices rise. Try and avoid investments which are high risk, especially if you have a lot riding on your decision. High risk investments may include buying into shares, where you may be at risk of losing up to 90% of your investment.

3. Draw up a plan
If you are still unsure of how to go about setting up your investment, it may be worth creating an investment plan. By doing this, you can ensure the product you are investing in is a good choice and is a manageable investment. Start by working out the low-risk products and then move up to medium risks and higher risks to gain a clearer insight.

4. Hire a financial/investment advisor
If you believe you are in need of some extra help, you could always turn to professionals to assist with your investment queries. They will be able to provide you with information on whether or not your finances and circumstances are suitable for your investment and any risk factors that may come with investing in particular products.

Want to find out more? Contact www.stablerise.com for further information on hiring an investment advisor today.

 

HOW TO GET STARTED IN THE INVESTMENT WORLD

The world of finance and investment can be tempting. With stories of rags to riches success all around us, it really can pay to do something productive with your savings. At least one element of the excitement has to be the risk factor, but it doesn’t pay to take too many risks. We have a few tips to help you get started with investments:

1. Understand investment terminology
Terminology plays an important role in successful investment and as an investment newcomer, you won’t understand everything. However, you do need to understand the difference between your hedge funds and your private equity. There is a wealth of information on the internet to help with this but a more sure-fired way of getting quality help is to work, at least initially, with an experienced investment advisor.

2. Get some support
Online investment possibilities are at our fingertips. It is easier to invest than ever before but there is a lot of contrasting guidance available. Whilst it pays to read this information and learn around your investment topic, by far the best way to gain confidence when you make your first investments is to seek sound financial support.

3. Minimise the risk
The first rule of investment is that you should never invest money that you can’t afford to lose. Spreading your investments over a range of commodities is a good way to protect yourself, particularly when you start out. You should also invest at a minimum of five years in order to give your stock a chance to deal with market inconstancy.

4. Ethics
In order to avoid making decisions that you might later regret, it pays to consider the ethics of possible investments before you make them. Some industries such as gold have a mixed ethical record because of large mine extraction methods. However, ethically extracted gold from smaller, regulated mines can make a respectable investment.

Making your first investment is going to be thrilling but you need to make sure that you start your investment career on the right foot. At Stable Rise we can offer you a range of options to suit a variety of budgets. We work to the highest standards of integrity and provide an assured and excellent service.

FEWER THAN ONE-IN-TEN PEOPLE SEEK PROFESSIONAL FINANCIAL GUIDANCE

Less than one-in-ten (8%) of British people sit down to chat with professional investment advisors regarding their personal financial affairs, according to a recent survey by Aegon. The poll of 1,004 adults in autumn 2016 also found that almost half (47%) of all people opt to make decisions regarding their personal financial investments alone, while two-fifths (41%) make joint decisions with their spouse or partner.

This is certainly a disappointing statistic given the wealth of investment options available to individuals today. Given the rock-bottom interest rates at present, the onus really is on finding new ways to invest and make nest eggs work harder for future years.

Steven Cameron, Pension Director at Aegon, concurred that the fact the majority take it upon themselves to make financial investment decisions is very worrying.

Mr Cameron stated: “Greater personal responsibility for retirement planning combined with increased levels of economic and political uncertainty mean people need professional financial advice more than ever.

“In fact, there are few people who wouldn’t benefit from financial advice at some point in their lives, especially since the introduction of pension freedoms.”

The results of Aegon’s latest poll only serve to demonstrate the difficult mission the Financial Advice Market Review (FAMR) has in ensuring individuals have sufficient access to investment advice. The UK Government confirmed as part of the FAMR that they would free up £500 from pension pots of individuals of pre-retirement age to use to pay for financial guidance. However, it’s not yet known exactly how the funding will be distributed.

Karen Barrett, Chief Executive of Unbiased, an online search directory of IFAs, says their business research has led them to believe 20% of individuals seek professional support regarding personal investments. Ms Barrett believes the advent of auto-enrolment pension schemes have been significant enough to encourage individuals to look towards their long-term futures.

At Stable Rise, we are doing our best to articulate the merits of investment solutions that are bespoke to the needs of the individual. We work with our clients for the long-term, developing and delivering a stable investment plan based largely on fixed asset investments such as commercial and residential property and gold. Every decision we make is done so with the utmost research and transparency, taking a hands-on approach to growing clients’ investment portfolios.

Are you open to new investment opportunities with your personal finances? Don’t delay and give our knowledgeable and experienced team a call today on 01707 800 708. We truly are your doorway to growth.