Our Wealth Management Philosophy

Investment and Wealth Management

Email: info@planitplus.co.uk

We believe that you should retain sufficient cash (or cash equivalent, such as Premium Bonds etc) to cover any emergency situation, together with any spending or purchases planned in the near future.

For any surplus capital, whether currently in cash or sitting in current ISAs, pensions or other investments, we believe that:

• This should be managed within your own Personal Investment Portfolio, by investment professionals who have the appropriate training, qualifications and experience.
• The portfolios' investment mix should be tailored to match personal objectives, with the level of investment risk clearly defined.
• The performance of the portfolio, after all charges, should be regularly reported to enable it to be clearly evaluated against agreed benchmarks.

Initially, we gauge your feelings towards investment risk and establish the investment returns you expect. We then compare these against the actual investment history of different asset types, in order to ensure that your Personal Investment Portfolio will contain the right spread of risk and aim to produce the sort of returns you anticipate.

Your portfolio can be created using current available cash or by transferring assets currently held in other tax wrappers such as pensions and ISAs. We will always ensure that you continue to receive the beneficial tax treatment offered by any current tax wrappers in which the money is invested, or even enhance it by innovative Financial Planning ideas.

We then construct your portfolio which will incorporate a well diversified range of investments. Once in place, the blend of the different investments and their performance is constantly monitored with any additions or replacements being made promptly.

This style of investment management aims to produce consistent results which can be easily assessed from the regular reports that you are provided with or by logging on, 24/7 to view current values yourself.

The professional management and ongoing monitoring that our philosophy incorporates, means that clients no longer need to 'chop and change' traditional investments when performance inevitably ‘dips’ every few years. This means that all those associated initial charges are avoided and overall costs are reduced whilst at the same time, the chances of more consistent returns are improved.

This approach offers professional investment management in line with that offered by most private banks but with a starting level, far lower than such private banks would consider, with lower charges too.

Investment and Wealth Management from planit+