There are 7 Key Components: –

  1. Asset allocation – The overwhelming factor in determining investment performance
  2. Rebalancing – Keeping a portfolio’s risk and return profile on course
  3. Lowering costs – The one factor guaranteed to improve returns
  4. Behavioural coaching – Avoid the costly mistakes of giving in to fear and greed
  5. Tax allowances – Tax-efficiency is key to getting the best results
  6. Spending strategy – Crucial to maintaining the value of a portfolio in retirement
  7. Total return versus income – Making the most of a portfolio for both income and capital

Case Study: Investment Management & Retirement Planning

When I first met Sheila she had numerous investments, savings and pension plans spread across a wide range of financial institutions. The portfolio was proving hard to keep track of ... READ MORE


Case Study: Options at Retirement

Alan approached me for advice regarding his pension fund, built up through Legal & General. Being independent, we could consider the full range of products available from the ... READ MORE


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