Do you have existing Investments?
We find that in the majority of cases, when people take out an investment, they stick with the same fund for the whole of the term, regardless of current conditions.
This could have a dramatic effect on the performance of your plan, as generally the top funds you chose when you took out the plan, are sometimes nowhere near as successfull now (even after just a few years, or sometimes months).
In addition to this, why should you suffer major drops in the value of your plan if the market was to fall when you had planned to realise the investment, maybe close to retirement.
The Solution
Laurel Court have invested in and adopted a Model portfolio planning system. This involves us outsourcing fund research to a well respected investment research company. This well respected company have the resources to carry out extensive research of each fund and be in a position to interview individual fund managers.
With hundreds of different companies and fund managers and thousands of funds to choose from, it is nigh on impossible for the average investor or IFA to obtain this insight, without the investment of significant time, money and resources.
Model Portfolios are then created based on your attitude to investment risk, i.e Cautious, Balanced, Speculative, Agressive, or an Income producing portfolio. Each portfolio will then consist of between 10 and 20 different funds to spread the investment risk. Each quarter, these funds are monitered and depending on the markets, it may be recommended to change one or more of these funds to more suitable funds. If this is the case, you will be advised and if you wish to change, we will do this on your behalf. This provides you with a more meaningfull and up to date investment which is constantly monitered.
If you had selected an anticipated maturity date, maybe for example near retirement, we would advise that you move to more cautious and deposit based investments, thereby protecting the gains you have made throughout the life of your investment.
Full details of our portfolio planning service can be provided at your request.
01656784862
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Teachers IFA is a trading style of Laurel Court Associates Ltd. which is authorised and regulated by the Financial Services Authority (FSA No. 231749)
