money
“if you already have an
inve
Stment por
tfolio y
ou
muSt have it revieWed”
e
n
t
s
m
v
e
s
t
BEING LET DOWN BY
Don’t pAniC!
I
n
YOUR CURRENT
FINANCIAL ADVISOR?
tAlk
Here we sit at the front end of to eliminate as much of the risk as
2009 in what is, without doubt, possible and then deliver the reward
THEN IT’S TIME
one of the most turbulent financial at a sensible and realistic level.
markets in living memory. no one is The simple truth is “no risk” does
TO CHANGE.
left untouched, from the household not exist, there are so many factors
names disappearing from the high to take into account not least
street to the small business man, inflation as I have mentioned. For a proactive investment
all have suffered from this infernal There are capital secure products
‘credit crunch’. available but read the small print
T
r
u
s
t
s
strategy from advisors that will
as I write the uK Base Rate carefully – guarantees come at keep you up to date and in the
has been reduced to 1.00% the a high price and that is always
lowest level since 1694 when performance. They usually have
picture contact
the Bank of england was first lock-in periods upwards of 5 years
established. Whilst this is good and not uncommon to see 15
for borrowers, what about savers? years or large penalties to exit.
Crystal Financial Solutions
I hear a rather deep sigh as you One could proffer an argument that
see your money attracting an the time for this type of product is
even lower yield and then there is before a market collapses after all
inflation coupled with the fall in the what historically usually follows a
P
e
n
s
i
o
n
s
The tried and trusted finance
exchange rate of the Pound against market collapse?
specialist for expats in Spain
the euro to contend with. Safer havens do exist but you
Most of our clients, almost should not expect to receive
without exception, when they first large returns from them when the
approach us always say “I want no markets recover. There are several
risk and a higher return!” In an ideal alternative investments yielding
world that would be wonderful but, in euro terms from 3 months
l
a
n
n
i
n
g
I am afraid; the two do not usually at 5.16% p.a. to approx. 10%
go together. you will be aware of p.a. which we are currently
T
a
x
P
risk and reward however; the art is recommending to our clients.
sounD ADviCe
S
1. Gather your own thoughts on what you think the
P
markets will do based upon historical events.
O
R
2. If you already have an investment portfolio have
Q
it reviewed, veRy important if you haven’t had
regular contact from your current advisor over the
last year.
3. Decide upon a realistic level of return that you want
or need to achieve in the short and medium terms.
a
n
c
e
4. Speak to a regulated investment advisor and listen
to what he has to say.
s
s
u
r
5. ensure that you understand fully before you act.
L
i
f
e
A
Crystal Financial Solutions is a trading style of City Gate Money
Managers Ltd which is a viva magazine uthorised and regulated b39y the FSA
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66