36 MANAGING WEALTH
www.hedleyandco.co.uk
WHAT TO CONSIDER BEFORE YOU INVEST By Charles Higham
Director at Hedley & Co
Like many of life’s more obscure matters, managing your investments requires long term planning for long term success, which with prudent stewardship can often become a legacy.
Invest with people you can trust at Hedley & Co, experienced wealth managers and stockbrokers providing a range of investment services to the people of Lancashire & beyond since 1992.
Our Services
Investment Management | Inheritance Tax Portfolio Stocks and Shares ISA | Pension Investments Stockbroking
Book a free consultation 01254 699333 or 01772 887880
info@hedleyandco.co.uk
Hedley & Co Stockbrokers and Wealth Managers is a trading name of Hedley & Company Stockbrokers Limited who are Authorised and Regulated by the Financial Conduct Authority under reference 471207.
With continued global macroeconomic and political volatility, the old adage “time in the market” rather than “timing the market” is arguably more appropriate than ever, so long as the portfolio is diversified to avoid concentration risk within certain stocks, economies and sectors.
Hedley & Co utilise a top-down asset allocation to diversify assets across economies, sectors and investment classes. As a local firm, operating outside of larger financial networks, this provides autonomy over investment selection with no “in-house” funds and a direct connection between client and investment manager.
Our Investment managers aim to assist clients in identifying their objectives, such as providing
income for retirement or capital growth. Simultaneously, we strive to help clients to define their risk profile, tolerances and appropriate time horizons, formulating a personalised, transparent and risk appropriate investment proposition.
As one of life’s inevitable events, taxes are likely to be levied. Where possible, knowledge of tax legislation is employed to shelter investments from tax on income or capital by utilising investment wrappers and structuring investments tax efficiently. This extends to managing investments for the complex structures of non-natural persons such as Trust’s, Companies, Charities and pensions.
While managing clients nationally, we are especially well positioned to serve the local communities of Lancashire, with offices in both Preston and Blackburn providing the foundation for engagement in local events, the next of which is the Royal Lancashire Agricultural Show, where we would be happy to meet you.
NAVIGATING MARKET
VOLATILITY: STRATEGIES FOR STAYING CALM
By James McIntyre, Partner, PM+M
Market volatility can be unsettling, even for experienced investors. However, maintaining composure and making informed decisions is crucial for long-term financial success.
HELPING YOUR MONEY ACHIEVE MORE
Investments Lifetime cashfl ow planning Business and personal protection Tax and estate planning
Get in touch today: 01254 679131 fi
nancialplanning@pmm.co.uk www.pmm.co.uk
PM&M Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority Pensions Court of Protection advisory Mortgages
Stick to your plan: Having a well-thought-out investment plan tailored to your financial goals and risk tolerance is essential. During volatile periods, resist the urge to make impulsive changes and trust in your strategy.
Diversify your portfolio: Spread risk across various asset classes to reduce the impact of market fluctuations. Consider investments in equities, bonds and other assets.
Focus on the long term: Market volatility is often short-lived. Instead of reacting to daily movements, focus on long-term goals. Historical data shows markets tend to recover over time.
Rebalance regularly: Adjust your asset allocation periodically to
maintain your desired level of risk and stay on track during volatile periods.
Stay informed, not overwhelmed: Keep informed about market conditions, but avoid constant monitoring of financial news. Information overload can lead to anxiety and poor decisions. Rely on trusted sources and your financial adviser.
Maintain an emergency fund: Holding cash reserves to cover requirements for a specific period of time can provide peace of mind and ensure you avoid making hasty decisions during a negative market cycle.
Please get in touch if you would like to discuss your investments in more detail.
The value of investments can fall as well as rise. You may not get back what you invest. The information contained within this article is for guidance only and does not constitute advice which should be sought before taking any action or inaction.
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