"I have known David Henderson for seven years and during that time, he has had full control of my financial investment portfolio through retirement and the consequences of adjustment to widowhood. I have never had any cause to doubt his skilled advice and commitment. This has been delivered through a friendly and totally reliable relationship. I have regarded him as a trustworthy friend and in terms of the financial manoeuvres, his practical adjustments have (thus far in a volatile world!) all been safe and successful. He has been helpfully reassuring at times based on an extensive knowledge of theway the markets and global economy works I find this very educational. I have recommended his services to several friends all of whom have commented most favourably after his input totheir finances."
Multi-Asset Investments
Multi-asset class investing reduces risk by spreading money across stocks, bonds or other assets. This is beneficial, as no asset class has outperformed all others during every period of time.
Some investment funds offer the option to invest in several types of stock within the same vehicle, and target date funds allow you to change the allocation of your holding depending on the time horizon you have in mind before you plan to realise some or all of the capital. So at the outset, a younger investor might opt for the potential of higher returns through more speculative – or risky – assets, shifting to hold bonds or other more secure investments as they get closer to their planned retirement date.
SIPPs (self-invested personal pensions) allow for an individual to select a wide range of investments that are unique to them, to reflect their personal circumstances and appetite for risk, and to hold these investments under the single SSIP wrapper. You and/or your advisers then control all the investment choices made, not a professional fund manager. You might find a SIPP attractive if you already have some level of sophistication when it comes to investment decisions.
Small Self-administered pension Schemes (SSAS) also offer you greater flexibility in how their Trustees can invest the scheme’s assets. They can borrow money, subject to terms and conditions, and some company’s use them to purchase their own trading premises as a long-term investment. Unlike SIPPs, SSAS are run by a number of Trustees, not an individual.
There can be significant tax implications with Multi-Asset Investments, depending on the individual assets selected. If you are interested in SIPPs, or any other specific multi-asset product, we can provide full details at your next review; and make a recommendation as to whether or not a specific product is beneficial for you, based on your individual circumstances.
Contact us before making any decisions. We will always explain the risk of any potential investment in detail.
The value of investments may fall as well as rise.
You may get back less than you originally invested.
-
We have the benefit of many years spent advising doctors and dentists and guiding them through financial planning for protecting the family, savings and investing for the future, retirement, and the complex tax issues that can arise. -
There are many different ‘tools’ that help you save for retirement, and the taxation and investment elements of each can appear baffling. We explain, recommend and monitor pension products for you, putting you in control of the choices that will achieve your goals. -
Our mission is to use our knowledge and skills to provide unbiased financial advice, so that you can face the future with increased confidence regarding your financial position today, and the financial security of your family in future. -
Every investment carries some element of risk, which is why we reflect risk management in the financial planning we provide for clients. We work with you so that you are financially well organised, aware of your current and likely future financial position, and therefore remain in control of the choices you make. -
Buying a property can be stressful and time consuming at the best of times, and for some borrowers finding and selecting the most suitable mortgage for them can be a contributory factor. Working with us means that you’ll benefit from informed advice from the outset, backed by up-to-date financial intelligence, and years of practical experience.
