Investment planning

There are several aspects to consider when planning your investments. We all want to maximise our returns whilst minimising our risk, but how you structure your assets and investments can also be a key factor. The tax implications of this can be significant when calculating the final return on investment.

Many expatriates that are resident in Spain are missing out on the potential for greater returns simply because they are not aware of how to efficiently structure their investments. That said, a perfect investment solution for everyone does not exist. Your goals, timeframe and attitude to risk must all be considered when building the appropriate investment strategy. Everyone is different, and the approach taken to their investments should be personalised to reflect this. This is particularly true when considering cross-border issues, as is frequently the case with expats.

When building, maintaining, or restructuring your portfolio, the expertise of an independent adviser can be invaluable. Book in a call with us for a no-obligation assessment on your personal situation.

The approach

A considered strategy, tailored to you

When building your investment strategy we will begin by assessing your attitude to risk. This is important to understand the amount of volatility you will be comfortable with as your investments grow – whilst the goal is to achieve steady long-term growth, it is important that we remain comfortable whilst doing so. Once we understand your risk tolerance, we can begin to build the basis of your strategy according to your personal circumstances and ambitions.

We’ll then look at the following areas:

• Your income requirements
• Your investment timeframes
• Your key ambitions
• Your plans for retirement
• Your legacy and what you would like to leave behind

We will then begin building the mix of investment assets that match your aims and personal situation, ensuring it is appropriately diversified to minimise volatility whilst maximising returns. Regular reviews and updates will keep you updated on how well your money is growing.

Diversification for stability and safety

An intelligently built portfolio considers many factors and aims to achieve good diversification across all of them as appropriate. These include asset classes (equities, bonds, property etc.), region, sector and correlation with other owned assets. An effective way to achieve diversification at minimal cost and administrative burden is through the use of funds that meet your objective. Further diversification can also be achieved by using aggregated funds, such as “manager of manager” funds or “funds of funds”. In today’s mature market, the possibilities are endless.

The financial planning advice that we provide does not look solely at investments – unless you insist otherwise. Financial planning is a process that should encompass all areas of your financial affairs – including your taxation position, retirement strategy and estate planning. When considering the complications that can arise by a move abroad, a joined-up approach can be particularly useful for UK expats. If you decide to become a client, we will conduct regular reviews together to ensure your position in all of these areas is aligned with your lifestyle and objectives.

For a no-obligation assessment on your personal situation, feel free to book a no-obligation call with us.

Given the market volatility of recent years, one of our most popular asset classes is high-yield fixed income investments. Click the link below to find out whether fixed income has a place in your financial plan.