Strategic investment planning

Constructing investment plans to meet our clients’ objectives...

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Savings & Investments

At Torbay Financial Services, we construct investment plans to meet our clients’ objectives and agreed appetite for risk. We use all asset classes, from equity and bonds to managed futures, and can even access hedge funds where suitable. Managing the expected returns of the mix of investments is key to our investment planning strategies.

The value of investments and the income they produce can fall as well as rise, you may get back less than you invested.

Our investment planning strategies include:

  • ISAs
  • Unit Trusts
  • Investment Bonds
  • Collective Investment Trusts

EIS’s and VCT’s invest in assets that are high risk and can be difficult to sell. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Fact Finding & Goal Planning
  • Analyse Assets and Liabilities
  • Establish Target Income / Capital and date(s) required Sum
  • Establish any Specific Requirements – Ethical / Social
  • Scenario Planning – Risk/Investment Inputs
Attitude to Risk & AssetAllocation
  • Complete bespoke H&C Risk Questionnaire
  • Discussion on the volatility of different investment assets
  • Design a suitable mix of assets to generate expected/desired return
Tax Wrapper/Product & FundResearch and Monitoring
  • Pension / ISA / OEIC / UT / Bond / EIS / VCT / Structured Product
  • Investment Fund Selection
  • Initial External Research Team – ‘fund filtering’
  • Extensive Internal Fund research using risk weighted measures of return
Review Process
  • We facilitate three different levels of ongoing service
  • We monitor the investment recommendations
  • Complete review of all our recommended funds on a regular basis
  • We actively make ad hoc changes as and when required
  • Rebalance assets to fit allocation model to maintain expected return
  • Regular face to face reviews

WHY INVEST?

Cash deposits are useful for holding emergency monies for exploding boilers or short periods of unemployment, but inflation erodes the value of cash over the medium and long term meaning cash is not actually as safe as many people believe. Moreover cash savings accounts currently provide poor value for money.

With inflation hovering at around 3%, many people nowadays are reassessing their actual need for instant access cash, and allocating more capital to purchase ‘real assets’ that have a fighting chance of keeping up! This means decisions need to be made about how and where to invest, but investing in the current environment presents a number of challenges.

The choice of retail investment options is mind blowing with new ways and routes to invest seemingly springing up every day.

Online stock brokerage services provide an easy way to purchase everything from shares in FTSE100 companies to derivatives and CFDs to buying an index through ETorbay Financial Services. The thrill of watching the daily price swings is attractive to some and a small portfolio of handpicked shares can, in the right circumstances, produce stellar returns.

Other investors prefer the relative safety of open ended collective investment funds such as Unit Trusts and Open Ended Investment Companies (OEICs) that also provide access to real assets but have professional fund management making the daily buy/sell decisions. From low cost passive funds to high octane UCITSIII absolute return funds, there are literally thousands of retail collectives to choose from, most with daily liquidity.

EIS’s and VCT’s invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

Please contact us to arrange an Investment Review. An Initial Investment Review is FREE and without obligation.

Help take control of your future - The benefits of Power of Attorney
A serious accident or an illness that requires a lengthy stay in hospital, even intensive care, can have long lasting physical and financial effects, including an emotional impact on you and your family.
#torbayfinancialservices
#lpa
#futureproofing
#keepingitlocal
#financialadvice
...

Help take  control of your future - The benefits of Power of Attorney
A serious accident or an illness that requires a lengthy stay in hospital, even intensive care, can have long lasting physical and financial effects, including an emotional impact on you and your family.
#torbayfinancialservices
#lpa
#futureproofing
#keepingitlocal
#financialadvice

HELP TAKE CONTROL OF YOUR FUTURE –
THE BENEFITS OF POWER OF ATTORNEY

A serious accident or an illness that requires a lengthy stay in hospital, even in intensive care, can have long lasting physical and financial effects, including an emotional impact on you and your family.

In situations where you are at their most vulnerable it is important to understand what can be done in advance of these situations because you may not have the capacity to deal with your personal affairs. In more serious cases you may not be able to make decisions regarding medical treatment yourself.

It is helpful to be aware of the benefits of a Lasting Power of Attorney (LPA), which allows individuals to manage their approach to handing control to friends, family or a professional attorney. The LPA allows an individual to appoint an attorney to make certain decisions on their behalf in specific circumstances and gives them the option to specify when they wish to grant that control.
There are two different types of LPA: property and affairs, and personal welfare.
...

HELP TAKE CONTROL OF YOUR FUTURE –
THE BENEFITS OF POWER OF ATTORNEY

A serious accident or an illness that requires a lengthy stay in hospital, even in intensive care, can have long lasting physical and financial effects, including an emotional impact on you and your family.

In situations where you are at their most vulnerable it is important to understand what can be done in advance of these situations because you may not have the capacity to deal with your personal affairs.  In more serious cases you may not be able to make decisions regarding medical treatment yourself.

 It is helpful to be aware of the benefits of a Lasting Power of Attorney (LPA), which allows individuals to manage their approach to handing control to friends, family or a professional attorney.  The LPA allows an individual to appoint an attorney to make certain decisions on their behalf in specific circumstances and gives them the option to specify when they wish to grant that control.
There are two different types of LPA: property and affairs, and personal welfare.

We will be here to answer those burning questions 🔥

So introducing Question of the Week.

HOW MUCH PER ANNUM DO RETIRED PEOPLE NEED?

According to Which?Money research (2018) by Paul Davies the average annual spend for a retired couple is ......................

£26,000

That is for a couple enjoying a 'comfortable' retirement. This covers all the basic areas of expenditure and some luxuries, such as European holidays, hobbies and eating out. Aiming for this level of income will provide a good platform for your retirement.
...

DO YOU KNOW A MILLENNIAL?
Then get the conversation going, talk to them about their future 🔮, what they feel? In years to come they will be thankful.

Paul our adviser will be more than happy to offer a free initial meeting to answer today's questions for all their tomorrow's

#torbayfinancialservices
#babbacombestyle
#millennial
#startyourfuture
...

DO YOU KNOW A MILLENNIAL?
Then get the conversation going, talk to them about their future 🔮, what they feel? In years to come they will be thankful.

Paul our adviser will be more than happy to offer a free initial meeting to answer todays questions for all their tomorrows

#torbayfinancialservices
#babbacombestyle
#millennial
#startyourfuture

DO YOU KNOW A MILLENNIAL? BORN BETWEEN 1980 AND THE TURN OF THE MILLENNIUM? Then get the conversation going, talk to them about their future, what they feel? in years to come they will be thankful.

Paul our adviser will be more than happy to offer a free initial meeting to answer today's questions for all their tomorrows.

Millennials face considerably greater challenges than their parents when it comes to providing for their retirement. But this group, which comprises those born between 1980 and the turn of the millennium, are not being told about the
scale of the savings mountain they must climb.

About the Research
The Generation Lost research was delivered
in three stages.

– A 30-question survey was published
online and open for responses between
July – September 2015. Over 1200
Millennials responded from the UK,
USA, Japan, Australia, Brazil and the
Netherlands.

– Interviews were carried out with a
number of Millennials from each of the
6 countries via telephone or video call.
Their reflections on the survey findings
are included in this report.

– A number of finance professionals and
academics from around the world were
invited to reflect on the survey results
and to consider their views on the future
direction of the insurance industry.

www.bnymellon.com/_global-assets/pdf/our-thinking/generation-lost.pdf
...

DO YOU KNOW A MILLENNIAL? BORN BETWEEN 1980 AND THE TURN OF THE MILLENNIUM? Then get the conversation going, talk to them about their future, what they feel? in years to come they will be thankful.

Paul our adviser will be more than happy to offer a free initial meeting to answer todays questions for all their tomorrows.

Millennials face considerably greater challenges than their parents when it comes to providing for their retirement. But this group, which comprises those born between 1980 and the turn of the millennium, are not being told about the
scale of the savings mountain they must climb.

About the Research
The Generation Lost research was delivered
in three stages.

–  A 30-question survey was published
online and open for responses between
July – September 2015. Over 1200
Millennials responded from the UK,
USA, Japan, Australia, Brazil and the
Netherlands.

–  Interviews were carried out with a
number of Millennials from each of the
6 countries via telephone or video call.
Their reflections on the survey findings
are included in this report.

–  A number of finance professionals and
academics from around the world were
invited to reflect on the survey results
and to consider their views on the future
direction of the insurance industry. 

https://www.bnymellon.com/_global-assets/pdf/our-thinking/generation-lost.pdfImage attachmentImage attachment
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Guide to Professional Financial Advice Brochure

Download our Guide to Professional Financial Advice brochure
(Adobe PDF)

Guide to Investing Brochure

Download our Guide to Investing brochure
(Adobe PDF)

66 Fore Street
St Marychurch, Torquay
Devon TQ1 4LX

e: PaulGinley@thinkpositive.co.uk
t: 01803 411460   m: 07891 614559

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