Investments and Savings consultations
When it comes to investing there are many aspects to consider like when you wish to access your funds, desired returns, ability for loss right up to fund choice and fee structure.
At DW Financial we offer a free, no obligation consultation during which we will offer you investment advice and look at all aspects of investing. If an investment is right for you, we will help you set up the best investment possible to meet your needs.
Our initial consultation can be in our offices in Naas or in your home, whichever suits you best. If the meeting is in our office you can avail of free onsite parking.
“With so much money currently sitting on deposit in Irish banks, now is the time to get your money working for you”
During our consultation we will look at current investment opportunities in Ireland. We will access what the best investment options are for you and put a plan n place that suits your needs. Whether a short-term investment, an investment in a specific fund or an alternative investment we will offer you the best investment advice to meet your needs.
By using market leading technology and fund comparisons we can advice you in the best investment to meet your needs and get you up and running. But that’s not where our role finishes. As a client of DW Financial it is not a case of out of sight out of mind. We will regularly monitor your investments performance to keep your plan on track and if needs advice you on any changes needed.
To book your free no obligation consultation call 045899049 and speak to David.
An investment bond is an investment made with one of the various life companies who we hold agencies with. With an investment bond you can invest in a single or a range of funds within the suite of funds for a particular life company. Investment bonds are a medium to long term investment.
Easy Access Investment Bonds:
Over recent years some of the life companies have come to realise that clients feared investing because it meant their money was tied up for a set period of time, usually a minimum of five years. To relive this burden some of the life companies introduced Easy Access Investment Bonds. With an easy access investment bond, you can still invest in any mix of funds available within your selected life company, but they carry the big advantage that you can withdraw all or part of your fund when you like without any penalties. There are some restrictions on how much you can invest but these will be covered during your consultation.
Every day we take certain risks without even realising it, from crossing the road to driving our cars. Other risks are more considered, for example deciding to do a skydive or bungee jump. When it comes to retirement planning risk has a different meaning. The risk associated with pension planning and investing could be better defined as your willingness to accept loss.
At DW Financial, while helping you plan for retirement, we will access your risk profile by completing a fact find and a risk profile questionnaire. From the results of the risk profile questionnaire we will be able to see what your attitude to risk is.
There are two different risks to be considered. The first is how you access risk and this can be broadly defined from the categories below:
Low – A low risk investor wants to avoid large fluctuations in their investment value, they accept limited risk and accept that this will produce modest returns.
Medium – A medium risk investor is willing to accept significant fluctuations in their investment value especially over a short term. They accept risk in return for the potential of good returns over a longer term.
High – A high risk investor is willing to accept sharp or sudden changes in values. They accept risk at much higher levels with a view to achieving high returns.
The second is how funds are classified This is done from assigning a rating of 1-7 from the ESMA (European Securities and Markets) scale to a fund.
What DW Financial will do for you
Review your existing financial position.
Assess your level of knowledge regarding investing.
Assess your attitude to the risk on your investments.
Assess your aptitude for loss in line with your risk.
Assess what you plan to do with the return from your investment.
Create a plan.
Set up the desired policy(s).
Regularly review performance.
Meet you annually or bi-annually to review.
Book your complimentary consultation.
This can be at your home, our office or a place that suits you.
Consultation will last about 1 hour.
We discuss your needs and requirements.
Set up any policies you require.
Regularly review your investment.
“Make the right investment choice“