Cotswolds Lifestyle Jan - Feb 2020
We've got 2020 vision as we look ahead to the new year with fitness and health tips, a wedding guide, meat free recipes, an interview with chef Michael Caines and lots of home inspiration.
We've got 2020 vision as we look ahead to the new year with fitness and health tips, a wedding guide, meat free recipes, an interview with chef Michael Caines and lots of home inspiration.
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Check your finances<br />
By Clive Collins, Chartered Financial Planner<br />
ADVERTISING FEATURE<br />
Every year, thousands of people get caught up in scams or are<br />
disappointed by their investments. The get-rich-quick variety are<br />
often delivered via cold calls, email or even investment seminars,<br />
and complex investments can be inappropriately sold to people that<br />
don’t understand the way they work. The risks are only climbing with<br />
around £1.2bn lost in the UK to investment fraud*. Even in the local<br />
Worcestershire area, hundreds of frauds and scams are reported<br />
each year.<br />
There are some basic checks that investors should do to avoid such<br />
catastrophes – for example, every investment company should be<br />
regulated by the Financial Conduct Authority. Investors can check<br />
on the FCA website register if a company is bona fide. However, it’s<br />
still no guarantee that the ‘promised’ investment returns on offer are<br />
realistic.<br />
work and what the relative risks around<br />
them are. If you would like to know<br />
more about how we can support your<br />
investment and wealth management<br />
needs, visit www.canaccordgenuity.com/<br />
wealth-management-uk/.<br />
* Source: Action Fraud UK<br />
Important information<br />
Investment involves risk. The value of investments and the income<br />
from them can go down as well as up and investors may not get<br />
back the amount originally invested.<br />
But there is also a common-sense check: There is a fundamental<br />
relationship between risk and return. The promise of higher returns<br />
comes with a commensurately greater chance of volatility and<br />
losses and it is the promise of these that often draw the individual in.<br />
The chart (right) illustrates this relationship.<br />
As you can see, the ‘trade off’ for higher returns comes at the<br />
expense of taking greater risk, so it should not come as a surprise<br />
if the value of these investments falls sharply. Equally, lower risk<br />
assets are less likely to provide high returns.<br />
We go to great lengths to ensure that the investments we<br />
recommend are checked and suitable for our clients. We also<br />
explain in great detail how each of the recommended asset classes<br />
Est 1993<br />
Do you need<br />
live-in care?<br />
FOR SHORT OR<br />
LONG TERM CARE<br />
CALL US TO DISCUSS<br />
OUR FRIENDLY,<br />
PROFESSIONAL<br />
SERVICE<br />
01684 562087<br />
Email: broomhillgroup@aol.com<br />
www.broomhill24.co.uk<br />
WORCESTERSHIRE ~ GLOUCESTERSHIRE<br />
HEREFORDSHIRE<br />
93 Barnards Green Road, Malvern WR14 3LT<br />
Regulated by the Care Quality Commission<br />
42 | www.northcotswoldslifestyle.co.uk
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