Financial Planning

1. Where the charges are difficult to see

Costs do really do matter. If the charges are unclear then it may be time to have a closer look.

2. Where the portfolio is not performing

There may be a number of reasons why this could be the case. The choice and variety of investments are numerous and returns vary considerably. It may be time for you to make sure your current investments are right for you.

3. Where the portfolio is not tax effective

Tax free allowances can be used each year to ensure that your portfolio is tax effective. Understanding what is available to you to maintain tax efficiency is an important part of investment planning.

4. Where the balance of risk/reward has changed

Over time, investment portfolios become imbalanced. Your intial perfect portfolio will have changed, in line with performance. Make sure your portfolio is set up for what you want to achieve now.