Investment Management

At 3D Financial Planning, we take a comprehensive approach to investment management, ensuring that our clients’ financial goals align with their risk tolerance and capacity for loss.

We start by gaining a comprehensive understanding of your financial position. We carefully assess how your wealth is currently managed and identify areas for improvement.

We then develop a plan to help align your money and investments with your specific personal goals, considering factors such as time scale, risk tolerance, and liquidity preferences. This tailored strategy ensures that your financial decisions are in sync with your unique aspirations and needs.

Risk Profiling

We recognise that assessing risk is not a one-dimensional concept. Therefore, we split the risk profile into two essential components: Attitude to investment risk, which is subjective and influenced by personal preferences and beliefs, and capacity for loss, which is an objective assessment of how much volatility an individual’s financial circumstances can withstand.

Before making any investment recommendation, we engage in open and transparent discussions with our clients, ensuring they have a clear understanding of their risk profile. This ensures that the investment strategy we propose is aligned with their financial aspirations and tolerance for market fluctuations.

The portfolios we recommend are carefully crafted to be diversified and well-balanced, spreading our clients’ investments across a wide range of asset classes, sectors, and geographical regions. By doing so, we aim to mitigate risk and enhance the potential for returns. The diverse asset allocation typically includes equities, property, cash, fixed income securities, commodities, and alternative investments.

Ongoing Reviews

As part of our commitment to our clients’ financial well-being, we continuously monitor their investments to ensure they remain within their agreed risk level. We conduct regular reviews to reassess their risk profile and to ensure that the investment strategy remains in line with their evolving financial goals and life circumstances.

At 3D Financial Planning we prioritise our clients’ financial security and long-term success, and our diligent investment process reflects our dedication to achieving these objectives. With our expertise and personalised approach, we aim to help our clients navigate the complexities of the financial markets and achieve a secure and prosperous future.

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    Investment Management FAQs

    Investment management involves the professional management of your assets to achieve financial goals. It helps you make informed investment decisions, optimize returns, and align your portfolio with your risk tolerance and objectives.

    Attitude to risk is subjective and influenced by personal beliefs, while capacity for loss is an objective assessment of how much market volatility your financial situation can withstand. Both factors are crucial in creating a suitable investment strategy.

    We engage in transparent discussions to understand your financial aspirations and risk tolerance. This allows us to recommend an investment strategy that aligns with your objectives, ensuring your portfolio supports your long-term goals.

    Our portfolios are well-diversified and typically include equities, property, cash, fixed income securities, commodities, and alternative investments. This diverse allocation helps mitigate risk and improve potential returns.

    Yes, we conduct continuous monitoring of your investments to ensure they remain within your agreed risk level. Regular reviews allow us to assess the performance of your portfolio and make adjustments as needed.

    We conduct regular investment reviews, typically on an annual basis. However, we may adjust the frequency based on market conditions or changes in your financial situation.

    If your risk tolerance or financial goals change, we will conduct a review and adjust your investment strategy accordingly. Our personalised approach ensures your portfolio remains in line with your evolving needs.

    An ISA is a tax-efficient savings account that allows you to invest or save money without paying income tax or capital gains tax on the returns. There are different types of ISAs, including Cash ISAs and Stocks and Shares ISAs, each offering unique benefits.

    An Investment Bond is a single-premium life insurance policy that allows you to invest a lump sum in a wide range of funds. The bond’s key advantage is tax efficiency, as gains are subject to life insurance tax rules, making it a popular option for higher-rate taxpayers.

    VCTs (Venture Capital Trusts) are publicly listed companies that invest in small, growth-oriented businesses. Investors can enjoy tax incentives like up to 30% income tax relief on investments and tax-free dividends, but should be aware of the higher risks involved.

    EIS (Enterprise Investment Schemes) support early-stage companies and offer tax benefits such as up to 30% income tax relief and potential CGT exemption on gains. Investing in EIS can be tax-efficient, but it comes with higher risks.

    Selecting the right investment product depends on your financial goals, risk tolerance, and investment timeframe. Our expert advisors will conduct a detailed assessment and recommend suitable products tailored to your individual circumstances.

    Disclaimer: The information provided in our FAQ section is accurate as of the date of issue and is intended to offer general guidance on various financial topics. However, please note that financial regulations and legislation can change over time, potentially affecting the validity of the information. We recommend verifying the information with current sources and consulting our team of experienced IFAs or other qualified professionals before making any financial decisions based on the content of our FAQ section. Our firm is not liable for any actions taken as a result of relying on the information provided on our website


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