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Latest News

Soaring housing costs hit millennials

People aged 20-30 – the 'millennials '- are devoting 23 per cent of their income to housing costs, reports the BBC. This compares with...

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23 Oct 2017
 

More caught by lifetime pension allowance

Many more people are being caught by the 'lifetime allowance' for pensions, says the Telegraph. It has been reduced in stages from £1....

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20 Oct 2017
 

Student debt: who won't repay?

The amount of a student loan that someone repays can be predicted from the profession they enter, says the Telegraph. A graduate entering in...

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19 Oct 2017
 

Latest Blogs

18% of people aged 50 or over have been targeted by potential scammers

According to research by Retirement Advantage, 1.8 million people have been offered unsolicited free pensions advice or investment opportuni...

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10 Aug 2017
 

Where to turn when you need financial advice and more... An interview with Glen Callow

Getting good quality, independent financial advice has never been more important. With complex tax, legal and regulatory changes it is nigh ...

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27 May 2016
 


Factors we consider

  • Goals - What do you want to achieve from your investment?  To save for retirement?  For a significant purchase?  Move house?  To beat inflation?  For school fees? Improve returns achieved by bank deposits?   Produce income - at what level?  Setting goals will ensure we have measurable targets.

 

  • Time Horizon - Linked to your goals - when do you require the capital?  What access to capital might you require in the short / medium / long term?  If you have invested for growth, will you require an income at some point in the future?  When do you intend to retire?  Understanding your liquidity requirements ensures the solutions are appropriate and funds are not overcommitted to assets which can have short term fluctuations in value.

 

  • Attitude to Risk - how much risk are you prepared to / you actually need to take?  We will help you understand risk and build a solution that you feel comfortable with.  Your previous investment experience will also be considered here.  Understanding the risk to which you are exposed ensures investments are positioned within your comfort range and prevents costly knee-jerk reactions.

 

  • Capacity for Loss - how much can you realistically afford to lose?  How much could your portfolio lose before you were concerned?  Investing with your circumstances in mind ensures you are not inappropriately exposed to complex or high risk assets.

 

  • Tax - arranging your investments in a tax efficient manner is as important as the underlying strategy itself as taxation can eat away into returns year on year.  We ensure our clients make use of tax efficient wrappers such as ISAs, Pensions and other Government recognised tax advantaged products as we see this as the bedrock of successful investing.

 

  • Charges - alongside tax, charges can significantly erode your investment returns over time.  We are serious about transparency so our clients understand all of the charges to which their investments are exposed.

Call Prime Today - we're here to help

If you are looking for an accountant for your business or personal finance matters call Prime Chartered Accountants, to arrange a free, no-obligation meeting with a Director.

Coventry - 024 7651 8555 or Solihull - 0121 711 2468