UnaVida | Investment Questions That Make Sense

Investment Questions That Make Sense

Many potential investors ask questions at an initial meeting, these often relate to the cost of the service being provided not the value being delivered.

They will often query the number of employees that you have as a lot of investors prefer to invest with large companies as this gives them a feeling of security.

What is astonishing is the extent of their complacency with their portfolios and financial planning. It is easy to become overwhelmed with information and terms that are unfamiliar but that doesn’t mean that you have to flick the “off switch” simply give in and accept whatever your adviser is telling you, particularly if your portfolio is under-performing!

This often happens with large investment advisory companies, clients are attracted by the security of dealing with a large successful company, after a while though they tend to feel neglected. You can meet with a load of waffle, or worse someone may try and talk over your head.

Whatever your situation, ask yourself the following questions, and then ask your advisers the same questions.

How is my portfolio doing?

Compared to what?

Am I investing for growth or income, and why?

How do I achieve a sustainable income of sufficient to match my future lifestyle?

How do I maximise tax efficiency?

How to avoid encashing investment units when I make my regular monthly withdrawals?

Why haven’t you suggested a change of strategy as I am approaching retirement?

Am I truly getting a bespoke planning service?

Are we going to be OK?

You might also ask what Sharpe Ratio is ?

If your adviser does not know the answer to that one or any of the others, then head for the hills!

If in doubt – you can always seek a second opinion from a knowledgeable whole of market adviser!

Registered in England and Wales. Registered Number 5553273.
Registered Address: 8f Millars Brook, Molly Millars Lane, Wokingham, Berkshire, RG41 2AD.

A pension is a long-term investment that typically cannot be accessed until age 55 (57 from April 2028). The level of pension benefits offered could change depending on the value of your investments (and any income they may generate).

The interest rates in effect at the time you begin receiving benefits may also have an impact on your pension income. The tax consequences of pension withdrawals will depend on your unique situation. In later Finance Acts, tax rates, tax bases, and tax relief may change.

The opinions expressed by Ray Best are meant to inform and educate. Before making any investment decisions always take advice that is pertinent to your investment personality and financial situation.

You are aware that past performance will not necessarily be repeated in the future, but you should be aware that persistent poor performance invariably will.

The value of an investment and the income from it could go down as well as up.

The return at the end of the investment period is not guaranteed and you may get back less than you originally invested.

UnaVida Wealth Management Ltd. is directly authorised and regulated by the Financial Conduct Authority (440577).

The guidance in this website is primarily aimed at a UK audience and is subject to regulation by the Financial Conduct Authority (FCA).

The Financial Conduct Authority does not regulate tax planning, estate planning, or wills and any form of legal documentation.