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Six tried and trusted principles to help you reach your investment goals.

If you’re new to investing, knowing where to start can be a daunting task. The reality is that people should start saving and investing as early as possible.

The growth of savings and the power of compounding gives an enormous head start to those who can put money aside and invest in the early stages of their lives and careers – and building an investment portfolio is one proven way to grow money and wealth.

Every investor needs to ask themselves the same basic questions before getting started. You need to have a clear understanding of your investment goals.

What are you trying to achieve?

Are you looking for growth, income or both?

How much risk are you willing to take on?

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Have I saved enough to retire?

Difficult one to answer. It requires a lot of information about you, your family, your income needs in retirement, and an understanding of the various financial vehicles available for saving and investing before it can be answered definitively.

It’s hard to know exactly how much you’ll need in later life because everyone has different circumstances and different expectations. But by planning how much you’ll need, and working out how best to build up your pension pot, you’ll be in a better position to live your best life in later life.

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Setting financial and lifestyle goals.

The start of the new year is the perfect time to obtain professional financial advice and in doing so help secure your future – and that of your family – for years to come. Whether it’s advice on significant lifestyle changes, such preparing for your retirement, helping your children buy their first home or investing to beat inflation, we can help.

Just setting goals doesn’t guarantee success – setting goals is only one part of a process that can lead you to success.

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Guide to Tax Year-End Planning

It’s important to keep up with any tax changes that could affect your tax position in the future. Taking action now before 5 April could potentially save you thousands of pounds. The UK tax system is notoriously complex, but the benefits of structuring our finances tax efficiently can be significant. We’ve provided a summary and some key tax and financial planning areas that may be appropriate to certain taxpayers and should be considered prior to the end of the tax year on Tuesday 5 April 2022.

Identifying any tax planning opportunities. Personal circumstances differ, so if you have any questions or if there is a particular area you are concerned about, please do not hesitate to contact us. If you have not done so already, take the time to carry out a review of your tax and financial affairs to identify any tax planning opportunities and take action before it’s too late.

Tips to help you get ahead on managing your tax affairs:

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Why parents should look to Christmas investment gifts instead of toys

With the festive season approaching, have you thought about gifting your children or grandchildren something different this year? Giving them a good start in life by making investments into their future can make all the difference in today’s more complex world.

Lifetime gifting is not only a good way to set up children for adulthood but is also a way of mitigating any Inheritance Tax concerns. However, what’s clear is that not all saving products for children are made equally.

With interest rates at historic lows, if you are looking to put money away for a child to enjoy when they grow up investing is by far the best way to maximise your gift.

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