About Investments

At Friend & Grant Wealth Management Ltd our approach to investment advice is based on clearly understanding your financial situation, your goals, and how much risk you are prepared to take with your money.

The professional guidance your financial adviser will give you helps you through this process. This means we can make sure that our solutions are right for you and that you have all the information you need to make a clear decision.

The way you save and invest your money can make a significant difference to your finances, and peace of mind. It goes without saying that you want your money to work as hard as it can for you. You may be investing to save for a specific purpose, to build a pot of money for use later, or to beat inflation to ensure that you maintain a good standard of living.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Consolidation Service

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If you have several different pension/investment pots, there are potential advantages if you consolidate them into one. You:

  • Can keep track of and manage your pension/investment savings more easily.
  • May save money if you can transfer from higher-cost schemes to a lower-cost one.
  • May open a greater choice of investments if you’re consolidating your pension/investment pots into one flexible scheme.

However, when it comes to pensions there are potential downsides to watch for too:

  • In general, it is a bad idea to transfer out of a defined benefit pension scheme – the guaranteed retirement income they offer shields you from investment risk.
  • If any of your existing pension schemes offers Guaranteed Annuity Rates, then consider the implications carefully before transferring out – if you are planning on buying an annuity with your pension pot these guarantees are valuable.
  • Check whether you’ll be charged by any of your pension providers for transferring money out of their scheme.

Again, get financial advice before moving your pension schemes, unless you are confident that you understand the costs, benefits and risks involved.

Choosing the right investment solutions can be one of the most complicated things for investors to do. A Friend & Grant Wealth Management Ltd adviser can support you through this process.

Get in touch if you have any questions or wish to book a free initial consultation.

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The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.