Investment Planning

Investment planning is much more than just picking the right fund!

It is a process that involves putting together a diverse range of assets in a manner that meets an investors overall objectives and at the same time balances the risk of investment against the required rewards.

We always seek to maximise any tax breaks or incentives to 'kick start' any investment opportunity.

Castle Court Consulting prides itself on its ability to advise clients on exciting and innovative real investment opportunities, as well as using the more traditional building blocks of an investment portfolio.

No two clients are the same. No two investment portfolios are the same.

Investment Portfolio Construction Process

Investment portfolio construction is a multi-stage process and it is useful for investors to understand how this process comes together in order to gain a greater understanding of how and why a particular portfolio has been constructed.

The first step is to carry out an investment risk profile assessment (which we do through the FinaMetrica Risk Questionnaire) and from that identify an individual risk profile and define that in terms that can be reasonably understood.

The second stage is to take that risk definition and put together an asset allocation strategy that is compatible with that risk definition. We then look at what the actual financial objectives are for an investment portfolio and establish whether or not the theoretical asset allocation strategy is capable of achieving those investment goals.

It is also necessary to assess whether or not the investment objectives can be achieved through a lower risk strategy as there is little point taking a higher risk if it is not required. Equally, if the desired asset allocation strategy cannot meet the financial objectives it is important to review both the level of risk an investor is prepared to take as well as review the desired financial objectives in order to remove any mismatch of risk and desired outcome.

Fourthly, having ensured that the proposed asset allocation strategy is comparable to the desired financial outcome, it is then necessary to select the suitable investments within each asset class.

The final stage is then to select the tax wrappers with which to hold the investments. For example, these could be ISA's, an offshore bond, pension or a number of other different tax structures. Castle Court Consulting prides itself on its ability to advise clients on exciting and innovative real investment opportunities, as well as using the more traditional building blocks of an investment portfolio.

For details of our current prefered VCT offerings email Andy Booth or call him on 029 2034 8630.