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Investment Planning

Whether you have £10,000, £100,000 or £1,000,000, the same fundamental principles apply to any successful investment planning:

  • Tax efficiency
  • Managing risk
  • Maximising return
  • Diversification
  • Regular reviews

With interest rates at historically low levels, staving the effects of inflation is more important than ever.

If cash deposits return 0.5% a year and inflation averages 2.5%, then after 5 years:

An investor with £100,000 in cash deposits would see this grow to £102,525. However, the real value (the purchasing power) would only be £90,392.   

Having a balanced portfolio, with an appropriate exposure to stock market, bond and other assets can make sense for real returns over time. However, investing can be daunting, particularly as markets have been volatile and the choice is huge, with many thousands of investment funds to choose from.

There are three main reasons people invest:

  • To stave the effects of inflation
  • To accumulate a lump sum for the future
  • To provide an additional income

There are, however, numerous solutions and we will use our expertise to establish the most appropriate investment, and critically, the right level of risk for you. We will also consider the most tax-efficient option for your circumstances and aim to use diversified investment portfolios with the aim of optimising returns.

With increased market volatility, risk management and sensible decision making is vital. One way this can be achieved is via our Private Client Wealth Management service. This provides peace of mind to know your investment is being monitored with adjustments recommended when required.

Protection

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Protection

As one would imagine, there are many types of Protection Policies to choose from.

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Research Tools

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Research Tools

Use our helpful calculators for your financial planning

 

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Estate Planning

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Estate Planning

Our inheritance tax calculator will help you calculate any potential inheritance tax liability.

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In Retirement

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In Retirement

Knowing roughly what you can expect from your pension contributions in the long run can give you the opportunity to adjust your retirement savings.

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What customers say

    My wife and I have been personal clients of JMA for all it’s 25 years. The cyclical nature of our economy has meant several periods of national financial turbulence and anxiety. Such a long association has enabled the soundness of the advice given, to be demonstrated by the performance achieved.

    Trevor Phillips, Surrey

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Details submitted through this form are confidential. We will process any personal information collected in this form in accordance with our Privacy notice. The information therein is used only to contact you to discuss the areas you've expressed an interest in. Please note the contents of this form is sent via email and therefore may not be secure.