INDEPENDENT INVESTMENT ADVICE

SAVINGS &
INVESTMENTS

NOTE: We will use your name, email address and contact number (‘personal information’) to contact you about the services you have requested or respond to an enquiry you have submitted which will require us to share your personal information with our advisers and our group of companies. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our privacy policy.

BRINGING ADVICE TO LIFE

ARE YOU READY TO INVEST?

FAMILIES | ENTREPRENEURS | WOMEN

HOW SAVINGS & INVESTMENTS CAN UNLOCK YOUR WEALTH GOALS

Are you ready to take control of your financial future? As Independent Financial Advisers, we understand the challenges you face when looking at savings and investment decisions. Offering personalised advice devising strategies designed to help you achieve your financial goals is our speciality at Evolution Financial Planning.
With our expertise and access to a wide range of investment options, we can help you navigate the complex world of savings and investments. Whether you are a seasoned investor or just starting, our goal is to help you make informed decisions that align with your individual risk tolerance, time horizon, and financial objectives.
The value of investments can fall as well as rise and you may not get back the amount originally invested.

“I had the pleasure of working with Rebecca as my financial advisor. Rebecca is extremely knowledgeable and experienced when it comes to all aspects of personal finance, including investments, retirement planning, and tax strategies. She took the time to truly understand my financial goals and tailored her advice and recommendations to my specific needs.”  Nicole Newbury, UK, 2023

ARE YOU INTERESTED IN ETHICAL INVESTING?

Are you keen to invest but want to make sure that you are only pursuing opportunities which do not cause harm to our society and planet? Then check out our Ethical Investment Guide, where we take you through the process of how you can make informed choices about your investment decisions.

HOW WE WORK

OUR APPROACH WITH INVESTMENTS ADVICE

ASSESSMENT & GOAL SETTING

Establishing your timeline, your risk appetite and the amount you are looking to invest provides an essential infrastructure for starting to invest.

INVESTMENT STRATEGY

We can work together to create a strategy for you that supports your goals, factoring in your current circumstances and long term vision for the future.

ONGOING MONITORING

Providing you with ongoing monitoring and support to allow you to make the most informed decisions that support your overall goals.

IS NOW THE RIGHT TIME TO INVEST?

IT ALL DEPENDS ON YOUR ATTITUDE AND APPETITE FOR RISK...

Ultimately, how do you feel about taking a risk with your hard-earned cash? You don’t need to be afraid of it – but you do need to be prepared for the fact that just like you could make money on your investments, as there is always a chance that you could lose some, or all, of your money. It all comes down to the risk you are prepared to take.

If you have a longer time frame and plenty of spare cash to fall back on, investing may feel like somewhat less of a risk. However, if you feel that there would be sleepless nights if the market were not to perform as it should, it’s worth going for something less risky. We are on hand to talk you through what this would look like, and the various risks involved with each decision.

Helping You To Understand

INVESTMENT TYPES

Helping you to understand the different investment types and what they mean for you…

LUMP SUM

A lump sum investment involves putting a set amount of money into a single investment option rather than spreading it out.
This can yield potential returns, but also carries risk since the investment value can fluctuate. You should research the investment, consult a financial adviser like us, and make sure it aligns with your goals and risk tolerance before investing.

REGULAR INCOME

"Pound cost averaging" is an investment strategy that helps to smooth out the impact of market volatility on an investment over time. Rather than investing a lump sum of money all at once, an investor periodically invests smaller amounts of money, typically on a monthly basis, over a longer period of time. By investing the same amount of money at regular intervals, regardless of market conditions, the investor is able to gradually accumulate more shares when prices are low and fewer shares when prices are high.

CONSIDERATIONS TO TAKE INTO ACCOUNT BEFORE INVESTING...

DO YOU WANT TO CONSIDER PREPARING FOR THE UNFORESEEN?

You may wish to consider reviewing your income protection before you invest. If worst came to worst and you were unable to work for an extended period of time, you can make sure that you and your family will still be able to pay the bills. As a general rule, it makes sense to have at least three months net salary in deposit savings to fall back on as an emergency fund  to help cover short term costs or unforeseen emergencies.

ARE YOU READY TO THINK ABOUT YOUR RETIREMENT?

You may also wish to consider thinking about a pension before you invest elsewhere. If you are employed, pensions  benefit from employer contributions and pensions can improved tax relief via salary sacrifice, which can help to boost your investment for retirement. If you already have a pension, you can think about investing any spare cash you have to boost your pension once you retire.

THINK YOU ARE READY TO START YOUR JOURNEY WITH INVESTMENTS?

There are so many investment options that it is always worth talking to a professional who knows the market and can advise you on which option(s) will be best suited to your circumstances.

Whether you are still unsure or you are ready to invest, our award-winning all-female team of advisers can help you develop a clear idea of how to invest, what to invest, and the best way of doing so for your circumstances, so that you feel completely confident in your investment decisions. Book a discovery call and discuss things further with a member of our team.

Book a free 20 minute discovery call where we can explore how we can help you and your unique situation. Our Client Manager Katie will be able to answer all your questions about our approach and establish if there is a good fit for working together.

CLEAR | CONSCISE | CONSISTENT

OUR COMMITMENT TO YOU:

  • You will always have a female adviser
  • You will always be spoken to professionally and honestly
  • All your information is protected by the relevant GDPR policies.
  • You will not be charged any fees until you have approved them
  • We promise to act fairly and professionally at all times
  • We provide independent advice, acting on our client’s behalf

“After seeing Rebecca’s work with a close friend, I was very impressed and subsequently sought her advice myself. I have an intermediate knowledge of finance and was pleased that Rebecca took that into account. She didn’t make things too simple, nor too complex. Not only could I tell she really knew her stuff, she was friendly and really approachable with any questions. Would not hesitate to use her again if I needed to” Cathey Meredith, Essex 2018

BOOK YOUR DISCOVERY CALL

Book a call and gain valuable insight that can support you to make the most informed decisions about your financial future.

Frequently Asked Questions
regarding investments

If there is a question we don’t answer, please get in touch!

  • Stocks and shares: This is the most common type of investment, and involves buying shares in companies. Shares can go up and down in value, so there is an element of risk involved.
  • Bonds: Bonds are loans that you make to a company or government. They are generally considered to be less risky than stocks, but they also offer lower returns.
  • Funds: Funds are a way of investing in a variety of assets, such as stocks, bonds, and other investments. This can help to reduce risk, as your money is not invested in just one asset.
  • Cash: Cash is the least risky type of investment, but it also offers the lowest returns.
  • Property: Property is another asset class to consider, but it is important to remember that it is illiquid, meaning that it can be difficult to sell quickly.

The risks and rewards of each type of investment will vary. Stocks and shares are generally considered to be the most risky type of investment, but they also offer the potential for the highest returns. Bonds are generally considered to be less risky than stocks, but they also offer lower returns. Funds can offer a good mix of risk and reward, depending on the type of fund you choose. Cash is the least risky type of investment, but it also offers the lowest returns. Property can be a good investment, but it is important to remember that it is illiquid, meaning that it can be difficult to sell quickly. Other investments are generally considered to be more risky than traditional investments.

The amount of money you need to start investing will vary depending on the type of investment you choose. Stocks and shares can be expensive, so you may need to start with a small amount of money. Bonds and funds are generally more affordable, so you may be able to start with a smaller amount of money.

Your investment horizon is the length of time you plan to invest your money. This will affect the type of investments you choose. If you are investing for the long term, you can afford to take more risk, as you have more time to ride out any fluctuations in the market. If you are investing for the short term, you will need to choose lower-risk investments, as you may need to access your money sooner.

You should review your investments regularly, at least once a year. This will help you to ensure that your investments are still aligned with your goals and risk tolerance.

The tax implications of investing in the UK vary depending on the type of investment you choose. Stocks and shares are subject to capital gains tax, while bonds are subject to income tax. You may also be subject to stamp duty when you buy or sell investments. It is important to understand the tax implications of investing in the UK before you make any investment decisions.

Whether or not you should start investing if you are in debt depends on your individual circumstances and goals. Here are some factors to consider:

  • The type of debt you have: Some types of debt, such as credit card debt, have high interest rates. If you have this type of debt, it is important to prioritize paying it off before you start investing.
  • Your investment goals: If you are investing for the long term, such as for retirement, you may be able to afford to take on some debt, as you have more time to ride out any market fluctuations. However, if you are investing for the short term, such as to save for a down payment on a house, you will need to focus on paying off your debt first.
  • Your risk tolerance: If you are not comfortable with risk, you may want to focus on paying off your debt before you start investing. Investing involves risk, and you could lose money.
  • Your financial situation: If you are struggling to make ends meet, it is probably not the right time to start investing. You need to make sure that you have enough money to cover your essential expenses before you start investing.

If you are considering starting to invest while you are in debt, it is important to speak to a financial advisor. They can help you to understand your options and make the best decision for your individual circumstances.

Whether it is better to invest or add to your pension pot depends on your individual circumstances and goals. Here are some factors to consider:

  • Your age and retirement goals: If you are young and have a long time to retirement, you may be more comfortable investing your money in stocks and shares, which have the potential for higher returns over the long term. However, there is also the risk that the value of your investments could go down in the short term. If you are closer to retirement, you may want to consider adding more to your pension pot, which we can discuss at your consultation.
  • Your risk tolerance: How comfortable are you with the risk of losing money? If you are risk-averse, this will affect your appetite for investing. However, if you are willing to take on more risk, you may be able to achieve higher returns by investing in stocks and shares.
  • Your tax situation: The amount of tax you pay on your investments will also affect your decision. You may be able to keep more of your money if you invest in a pension depending on your circumstances.
  • Your financial goals: What else do you want to do with your money? If you have other financial goals, such as buying a house or saving for a child’s education, you may want to invest some of your money in a different way.

Please note, investment returns can vary, the capital and income generated cannot be guaranteed.

This notice cannot disclose all the risks associated with the products we make available to you. You should not invest in or deal in any financial product unless you understand its nature and the extent of your exposure to risk. You should also be satisfied that it is suitable for you in the light of your circumstances and financial position. Different investment products have varied levels of exposure to risks and to different combinations of risks.

Our disclaimers are not intended to be fully inclusive of all relevant risks; we would strongly encourage to you ensure that you have read all relevant literature, and that you are comfortable that you understand all of the associated risks relating to an investment, before you decide whether or not to purchase it. Should you be in any doubt as to the risks involved, or to the suitability of a particular investment, you should seek professional financial advice.

Please note that investment values can go down as well as up and past performance is no indication of future performance.