finances and retirement

We recognise that in retirement, you need an investment solution that takes into account that:

  • You don’t have the ability to ‘ride out’ falls in the market
  • Short term losses can have a major impact on your portfolio’s value
  • The path your investments take, and the smoothness of the journey, can be more important than the total return you get on them
  • Linking your portfolio’s performance directly to stock markets may be inappropriate

A different approach to investing and risk management is needed in the spend years. The focus should be on finding a solution that seeks to avoid significant short term losses and manages the risk of your investments falling in value – aiming for smoother returns.

To meet these specialised needs Watson Moore has developed a range of Retirement Investment Solutions in conjunction with leading academics, which aim to provide a smoother investment journey than a traditional equity-based portfolio could be expected to provide, with less risk of large market swings. At the heart of these strategies is ‘Trend Following’.

Past performance is used as a guide only. It is no guarantee of future returns. Your investment may go down as well as up, and you may not get back the full amount invested.

It is a regulatory requirement that we categorise our clients to identify the level of regulatory protection that they are entitled to. In providing investment services, we usually categorise our clients as a ‘retail client.’ As a retail client, the regulatory protections available are determined by this category and will be the highest available. Where we have categorised a client other than as a ‘retail client’, clients may request re-categorisation under a client category which benefits from a higher degree of protection. However, we reserve the right to agree to such a re-categorisation on a case-by-case basis, and where we agree to do so it does not necessarily mean that they will have a right of access to the Financial Ombudsman Service.

To find out more on Financial Planning, please contact us today.

01708 250624