About Lump Sum Investment
A Lump Sum Investment means a once off premium / payment into an investment fund which is designed to provide you with a return in growth. This type of investment can make your money work harder for you.
Investment Funds can include shares on the stock exchange, real estate, bonds, commodities and deposits, all designed to provide you with a return in growth.
We can guide you through the decision making process, and demystify the multitude of opportunities available from investment companies, taking into account your own attitude to risk and your threshold for withstanding any potential losses.
Attitude to Risk
All Investment Funds are rated on a scale of 1 to 7 in terms of the level of risk or volatility involved.
Funds that are rated low risk invest conservatively and are designed to provide a steady return on growth, while funds that are rated high risk have the potential to provide higher returns but could also result in heavier losses.
We assist you in gauging your own attitude to risk early in the Lifetime Financial Planning process, while also giving our own expert advice on the type of funds that would best suit you.
Our Advice
At Lifetime Financial Planning we know that a small increase in return on your investment will have a dramatic effect on your long term financial position.
We can also help you to answer important questions which you need to ask yourself, such as:
• Will I require access to the lump sum during the period of the investment?
• What level of risk do I want to take?
• What level return do I want?
• Do I want a guaranteed return of capital?
• How many years is the investment intended to last?
• What tax will be charged on any gains?
• Do I need to generate an income from the investment?
• What is the past record of the chosen funds?
• Do I have a “rainy day” fund in place?
We can help you to diversify the investment, devise a phased strategy and /or switch or redirect your investment if you so choose.
As part of the Lifetime Financial Planning process we recommend monitoring your investment through regular reviews, enabling you to stay updated with the performance of your chosen funds.