The value of pensions and investments can fall as well as rise. You may get back less than you invested.

Investment portfolios form a critical part of our clients’ personal financial plans. We can guide you through the many options available when building an investment portfolio, taking into account tax opportunities and implications, your tolerance to risk and balancing the need for income or growth.

Following a financial review we will assess all the factors with you before making recommendations for your portfolio, and also how to invest your money at outset. With you every step of the way, at Elementary Investments we will monitor performance and keep you informed and updated with regular review meetings.

We recognise the individuality of our clients and that each has different financial needs and objectives based on where they are in their life. When advising you on any investment we ensure you understand the risks involved and check you are willing to accept those risks.

When people  talk about risk they often mean ‘volatility’ – the more adventurous an investment, the more ups and downs it is likely to experience. Whilst the value of real assets can fluctuate over the short term, over a longer period such as five years or more, asset-based investments have generally provided better returns than deposit-based ones.

Stock markets and investment funds have become more volatile in recent years.  This makes it important to select the right product and minimise your risk. That’s why it has never been more important to get professional advice from a qualified  independent financial adviser.

As your adviser we can present all of your options clearly, and help with the balance between risk and return.  We can advise on everything from lump sum and inheritance investments, to retirement and pension fund investments. In short, we will help you determine an investment strategy appropriate for your needs and tax position.

As independent financial advisers we are not tied to any bank or any other financial institution