Investment advice
Active asset allocation, professional advice and clear charging structure
At Nelson Life before taking any asset allocation decisions investors need to take the all important to action to invest.
Investors need to actively plan. We take an active approach to supporting your investment decisions. We offer clear financial planning advice, investment advice and pension advice.
Nelson Life have over 20 years experience and will assist you in this regard - this will allow for a greater degree of flexibility for both your investments and pensions.
We believe there is no single asset allocation that is optimal for an investor - this will change over time. There is a need for active asset allocation, professional advice, good value products, clear charging and this will deliver a better and more profitable outcome for the investor.
Risks
For example, following the global financial crisis and credit crunch crash 2007/2008, the S&P 500 Index fell by 57.00%.
Since this event the US market is up circa 300.00% and the European market up circa 100.00%.
If you were an investor who switched into cash near the bottom and did not switch back in, you would have missed a huge opportunity to recoup your losses and participate in one of the longest bull runs in history.
If you have read our earlier post on "missing" the 10 days, 20 days or 30 days of market performance and how this drags down the value of your fund.
Conventional investment wisdom encourages investors to remain invested over time and avoid market timing strategies - so they wont miss out on the "best days".
Depending upon your investment goals and time table, you may NOT have enough time to recover from market lows - even with the assistance of the best days.
What is important to point out that some of the "best" and some of the "worst" days in the stock market have occurred during the same periods.
It is important is to work with your financial advisor to build an investment strategy that balances growth opportunities and downside protection. Whilst we feel the "active" versus "passive" debate is important - the real driver for your returns that can be controlled or influenced include :
Asset allocation.
Charges levied against your money by the platform provider.
Charges levied against your money by the investment manager.
Charges / or Fees against your money by your advisor.
Tax and other Levies.
Want to know more? We are available to discuss your options, and we look forward to hearing from you.
Our job is to help you choose a product and structure that will help you meet your goals.
telephone | 091441188 and/or email | office@nelsonlife.ie
RETIREMENT & PENSIONS | INVESTMENTS | FINANCIAL PLANNING | LIFE INSURANCE
Nelson Life Limited trading as Nelson Life is regulated by the Central Bank of Ireland.
WARNING: Past performance is not a reliable guide to future performance. WARNING: The value of your investment may go down as well as up. WARNING: You may lose some or all of the money you invest. WARNING: These funds may be affected by changes in currency exchange rates. WARNING: If you invest into this product you will have access until you retire (Pension Products). WARNING: The above content does not constitute investment advice, as it does not take into account the investment objectives, knowledge and experience of financial situation of any particular person. Prospective investors are advised to make their own assessment of the information contained herein and to obtain professional advice suitable to their own individual circumstances. WARNING: The information contained in this document is based on our understanding of current tax legislation and the current Revenue Commissioners interpretation thereof and is subject to change including retrospectively without notice. This is intended as a general guide only and is not a substitute for professional tax, legal and investment advice.