Thinking of Making an Investment? Get expert advice from Aqua

Aqua are your local, independent investment advisers, aiming to provide you with the most suitable advice on how to potentially achieve your investment and life goals.

Choosing investments that will meet your financial goals is no simple process, but we try to make it easy through prudent planning focused on your investment aims.
Each type of investment has a different structure, incurs different tax liabilities and has different implications for you, the investor, so it’s important to get clear advice. At Aqua, we have the systems, experience and expertise to guide you through the maze of opportunities, including:

  • National savings
  • Deposit and fixed interest accounts
  • Insurance bonds
  • Property and REITs (real estate investment trusts)
  • NISAs and OEICS
  • Annuities
  • Unit trusts and investment trusts
  • ‘Zero’ investments
  • Capital and income shares
  • Enterprise Investment Schemes (EIS)
  • Venture Capital Trust (VCT)
  • Business Property Relief (BPR)

The Financial Conduct Authority does not regulate Inheritance Tax Planning, Trust Advice, National Savings Certificate, Venture Capital Trusts, Stocks and Shares and some forms of Mortgages, Savings and Group Pensions.

Diversification and Risk

Another advantage of pooled investment is being able to diversify.

All investments carry some element of risk. The value of the fund can fall as well as rise and you may not get back the full amount you originally invest. To enable funds to be able to manage the risks the manager will usually practice some level of ‘diversification.’ This works on the premise that holding two different shares is better than two of the same shares. This is because all shares react differently to investment conditions and changes.

For example, imagine that there are only two companies, one making T-shirts and one making woolly jumpers. If the weather forecast is for sunshine, then investors would be wise to buy shares in the T-shirt company as they expect demand for T-shirts to increase and sales to rise, increasing the company share price. However, we know that it is not always sunny and therefore a good manager would buy shares in both companies, so when one share price is static or even falling the other is able to support and perhaps offset the falls, meaning that the investor doesn’t suffer a loss.

Investment Assets

All investments carry some risk, and the Investing and Risk page includes some information on how we might manage this risk. We can learn more about the particular risks and rewards of different investment funds by looking at their sector and assets in more detail.

All types of shares have different characteristics and these can be complex. Hence there are fund managers within the industry to assess and measure these features and make investment decisions based on their knowledge and market experience.

Investment funds will have a particular aim, and often have a specialist sector which allows them to be compared to other funds of a similar make-up and ensures that the actual assets of the fund (the investments made by the fund manager on behalf of individual investors) remain in proportion with the selected aims and specification of the fund.

Sectors and Assets

The fund sector identifies broadly the areas in which the fund will invest. This can be based on geographical terms, or in a particular industry. For example, there are funds that only invest in UK companies, or Japanese companies, just as there are funds that invest purely in ‘technology’ companies (IT, telecoms etc). In addition to this there are sectors that are a mixture of assets. A typical ‘balanced managed’ fund will have some money invested in shares, some in property and some in fixed interest investments or bonds.

Although there are no guarantees as to performance or returns from any sector, our knowledge and experience can indicate how we might expect investments to perform

  • Inheritance tax planning
  • Savings plans including ISAs
  • Savings and Investments
  • Individual and group pensions
Dominic and his colleague Chris have been great in dealing with my complex financial issues! We are close to finalising this particular investment and I am confident that I will have a positive financial future with Dominic and his team managing my financial portfolio.

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