Investment Principles

First Principles
It's easy to get caught up in the latest investment fad or trend but, at PAS Financial Planning, we believe that it's the fundamentals that count.  Every investor should understand the basic benefits of diversification when financial planning. 

Demystifying Investing
PAS Financial Planning can provide an overview of all the important, indeed, essential issues that an individual should consider before they invest - from where to invest and what to buy, to the basic rules of diversification.

Investment Principles
We will explain the fundamentals of investing and the different vehicles available to people investing in the stock market.

We know we need to save for the future and it seems that not a day goes by without the financial pages of the National press urging us to save for our pensions.  Whether saving for a child's education or a comfortable retirement, stock market investing should be considered. 

Asset Classes Explained
We can explain the different asset classes and why different investments behave in different ways.  Then, in conjunction with you, we can choose products and holdings that meet your long term needs. 

It's no longer as simple as "equities for growth, bonds for security".  Investors sometimes need to look further a field.  Property, for example, can be a valuable asset in any portfolio.

Diversification Explained
Whilst we all understand the old adage of "don't put all your eggs in one basket", we will look at the benefits of diversification in more detail.  There's no doubt that the stock market can sometimes seem like rollercoaster ride but, by holding a mix of assets, investors can smooth out the ups and downs and increase portfolio diversification.

Investment Funds Explained
Most investors need to pool their money with others to get the real benefits of professional management and diversification.  By investing in funds, clients can get access to markets and companies that may otherwise be out of their reach.  An investment or pension fund "supermarket" is an ideal solution.

Tax Efficient Saving
Death and taxes have been famously described as "life's only certainties".  However, whilst tax is an inevitable fact of life, many people don't make the most of the tax breaks available to them through different investment opportunities.  PAS Financial Planning will explain the benefits of "wrappers" such as Pensions, Unsecured and Alternatively Secured Income, Individual Savings Accounts which can help reduce the tax burden.  We also cover Inheritance Tax planning in order to minimise inheritance tax liability.