SAVINGS & INVESTMENTS
“Are you receiving a level of return that justifies the level of risk or charges your existing investments are being subjected to….?
“Where taking income, is this sustainable based on the level of return achieved, charges being deducted and is income eroding capital….?
Whether your looking for a better income or return than achieved from cash or an existing investment, saving for – children or grandchildren, house move or purchase, retirement, saving for that dream holiday, thinking of purchasing an overseas property, we have an advice and product solution for you.
Questions we are often asked include - Should I retain old plans ? Do I transfer previous investments to a new scheme ? Should I merge numerous plans into one and what are the features and benefits of any existing investments and any alternative plan(s) being considered….?
These are all very important considerations, although often complex and time consuming to decipher and reach a point where you can see clearly what is the best route to take with any plan in maximising existing investments or assets for future planning.
Our continued knowledge and understanding around products, investments and technology advancements enables us to be able to offer unique terms and product or investment features not commonly available direct to retail clients so it can pay to take independent financial advice.
This area generally requires professional advice due to it’s nature and is where our expertise lies. Opes Financial’s investment review service helps you by generating all data into a simple and concise format, making it easy for you to see the advantages, disadvantages, costs (existing versus proposed), features & benefits, as well as your options so you are able to then make an informed choice as to the best outcome and course of action for you.
Our Life Plan™ service combined with our comprehensive risk profiling and Investment Proposition ensures a strong solution, whilst minimising issues around holding poor and highly charged products and investment funds.
You should be aware that investments carry varying degrees of risk and as their underlying value can fall as well as rise you may not get back the full amount invested.