There are a number of different approaches to take with investments. All investments provide a certain level of return for the risk you are willing to take. This means that as well as making money, there is a chance you could lose it or not make as much as you had hoped for. For this reason we believe in spreading your money around, diversifying your investments.
As a general rule, you would expect a higher return from investments that carry more risk. If you are investing for the long term, the higher risks of investments will generally perform better and recover from any short term losses.
The portfolio we develop for you will depend on a number of factors. These include:
- Your objectives
- The amount of time you have to invest
- Your personal tolerance for risk
- Your need to achieve a certain level of return on your money
We will use a number of tools to assess your risk profile. We will take into consideration issues such as tax-efficiency, income requirements, growth potential and the economy, whilst also paying attention to what you are trying to achieve with regards to your lifestyle goals.
In all cases, we consider the research provided by the BT Financial Group Research and Strategy team.
Filter investment universe
Initial manager and strategy review
Final review and recommendation
For further information about this process please contact us
In utilising this research we will generally recommend that investments are made through managed funds, using local and international managers or with the research provided by eQR Securities, direct investments such as listed equities.
It is very important to regularly review your investments. Our review service considers current market conditions, new opportunities, and is also a time to reconsider whether your asset allocation is meeting your current and future needs. Are the investments chosen, still considered appropriate for you.