Investment and risk

Individuals may wish to make regular savings of surplus funds for ...

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... towards a young child’s senior school/university education.

Where individuals wish to invest lump s...

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...riance in the individual’s needs.

In order to be able to fully understand an individual’s savings and investment needs, as much relevant information as possible needs to be gathered. Key considerations a...

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...aims and objectives. Most financial advisers carry out extensive fact finds on clients regardless of whether or not the products being sold are currently classed as regulated.

There are a wide variety of savings and investment needs expressed by individuals. These needs can vary further depending upon the attitudes and circumstances of each person. It is important therefore, to understand a basic framework of information that will be needed from the individual in order to objectively assess their situation and make suitable recommendations.

You need to establish what the ...

Shortened demo course. See details at foot of page.

...certainly could impact on the choice of product that the individual makes once needs have been established. For example, will the product be most suitable bearing in mind its and the individual’s tax status? What will be the type and level of charges imposed on the prospective product? The higher the tax levied for a particular investor and the greater the charges, the lower the ultimate returns.