Many clients who seek our investment advice already have an established investment portfolio. Others have received an inheritance or compensation claim, or may just have accumulated savings in cash. Whether putting together a new portfolio or reviewing existing arrangements, the issues to be considered are the same.

The most important aspect of having funds invested is being comfortable with the arrangements you have made. This starts with having a clear understanding of the particular aims and objectives that you have. For some this will be to have a contingency fund that can be drawn upon in exceptional circumstances; perhaps never. Some will want to fund for particular life events and some will want to use their capital to top up their income. Many investors accumulate capital during their working lives so that they have an additional source of income in retirement.

In putting together or reviewing a portfolio we then consider a number of issues in detail. These include your attitude to risk; your expectation of growth, the amount and timing of income that you need, the amount of liquid cash you feel comfortable with, and the length of time your funds are likely to stay invested.

Our emphasis is then on regular reviews to ensure that the strategy remains relevant to changing needs and circumstances.

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