Investments and Savings

Financial planning helps you define your long and short-term goals. It is our role as your independent financial adviser to help you achieve them.

Whether you’re looking to retire early, pay for your children’s education or enjoy a round-the-world trip, it is vital that you manage your savings and investments effectively to grow and protect your money.

Request Callback Today

Understand the risk of different types of investments

Ermin Fosse LLP

Types of investments to consider

There is no such thing as a risk-free investment but, at Ermin Fosse, we place your best interests at the heart of every decision to deliver superior outcomes for your portfolio.

As well as determining your financial goals, you need to assess the risk you are willing to take – by taking a considered level of risk, you may be able to earn higher long-term returns. At Ermin Fosse, your investment advisers can help you balance your portfolio in line with your risk-appetite and find the optimum solution for your valuable assets.

Our Investment Proposition

We understand that your financial circumstances, objectives and risk-appetite are unique. As independent financial advisers, we’re not tied to any bank, investment house or insurance company, so you can be confident we’ll assess the whole market to find a personalised solution that suits your needs.

Five steps to successful investing

Step 1: Understanding your financial objectives and risk appetite

Our first step is to understand your financial circumstances and identify your goals. By considering your circumstances together with your attitude to risk, capacity for loss, risk level and time frame required to achieve your objectives, we can help define the right solution for you.

Step 2: Selecting the right tax wrapper

Depending on factors, such as, how much you are investing and your tax status, we choose the right tax wrapper to hold your investments. This can be an ISA, Pension, Investment Bond amongst others.

Step 3: Allocating assets effectively 

The type of assets held in a portfolio has a significant bearing on the overall returns you can expect. Your investment adviser will determine the assets you should hold in your portfolio to fit within your agreed risk profile and investment strategy. 

Step 4: Selecting the right investments 

The next step is to select the most appropriate investments for you. With our breadth of expertise and in-depth research, you can be confident your portfolio will be highly diversified and designed to suit you.

Step 5: Reviewing your portfolio regularly

With market fluctuations, changes in your circumstances or your appetite for risk, we look to regularly review and rebalance your portfolio to ensure it continues to meet your needs. Changes in legislation and tax can also impact the suitability of a portfolio.

Get in touch today for investment and savings advice

Request a Call Back  

This information on this website does not constitute a recommendation or invitation to invest or refrain from investing or represent any financial planning advice. The information is based upon current HMRC rules and can be subject to change.

Past performance is not indicative of future results and no representation is made that results where stated, will be replicated. Investment values rise and fall and the value of them is not guaranteed. On encashment you may not get back the amount invested. 

Related Knowledge Posts

Market Review April 2022

Inflation and developments in Ukraine continued to dominate the headlines in March. Expectations prior to the invasion had been that inflationary pressures would be about to peak, but this has been pushed out given the impact on a number of key commodity prices, not least energy. In addition, inflationary pressures are affecting economic data, causing a notable deterioration in the economic outlook, as businesses and consumers alike grapple with higher energy prices.

Read more

Ermin Fosse

________

Market Review March 2022

February saw the unwelcome Russian invasion of Ukraine, bringing war back to Europe for the first time in 30 years. Besides the ongoing unnecessary loss of life, the conflict has tragically displaced millions, causing one of the largest humanitarian crises in Europe in a generation.

Read more

Ermin Fosse

________

Market Review February 2022

The start of 2022 proved an eventful one, with markets adjusting to the evolving interest rate outlook. The backdrop favoured “value” as investors shied away and sold highly rated “growth” shares. This, as well as the buoyant oil price, meant that the FTSE 100 was a notable outperformer and one of the few stock markets globally to rise over the month, hitting a fresh pandemic high.

Read more

Ermin Fosse

________