It is important to understand how your adviser approaches the purchase and management of your investment funds. These notes are designed to explain briefly the Swallow Financial Planning methodology.
Whilst our investment style is bespoke to each client, we have over recent years begun to create a standardised approach to our Asset Allocation Process.
Over many years, we have invested in every type of collective investment available. We have used managed funds, multi-managed funds and passive funds. This note explains our current thinking when we choose the funds for our clients to invest in.
The correct asset allocation of a client’s investment portfolio is the bedrock of the Swallow Financial Planning investment process. This note is designed to explain how we use investment cycles and factor based principles to enhance the investment process.
Whilst our target market is funds in excess of £250,000, over the years we have accepted many requests to manage smaller sums
The correct asset allocation of a client’s investment portfolio is the bedrock of the Swallow Financial Planning investment process. This note is designed to explain how asset allocation works and why it is so important to the future success of your investment performance.
Failure To Plan Is Planning To Fail. This note helps you to establish your financial goals.
The new LISA is becoming an attractive savings vehicle particularly for the better off however beware the pitfalls of early encashment.
This note is designed to emphasise our reasons for placing specific types of funds into the different tax wrappers. If you want to know the full tax treatment of any wrapper please let us know.
We have access to instant internet and other extensive manuals illustrating pretty well all available deposit accounts available. If you can confirm to us your requirements, we can usually obtain the very best rates for your personal circumstances.
For many years we have used the Finametrica system for our initial assessment of a client’s risk tolerance. Whilst this system is recognised as a “best in field” we believe that it is the starting point for our discussions concerning your investment management, rather than the definitive answer to set where your money is invested.
Most people are aware of the fact that if you make a gift in the UK and then live for more than 7 years then that gift will fall out of your estate. What is less well known is that if you make more than one gift and you die within 7 years of the last gift then Inheritance Tax (IHT) may well be due on some or all of your gifts.
There are many different tax concessions and allowances which we try and maximise as party of our service. Not every client can benefit from all allowances however in our review reports for clients we do advise of any missed opportunities.