What is investment planning and advice?
Think of it as a map for your money: you know where you want to end up – a bigger pension, an earlier retirement, or more freedom later in life. What you might not know is how to get there.
Why invest?
In other words, what are your goals? People invest for lots of different reasons, like:
| Goal | How investing may help |
|---|---|
| Pension growth | Opportunity to build bigger pension over time. |
| Retirement planning | Helps you plan to retire when you'd like to, or enjoy more flexibility in retirement. |
| Making money work harder | Gives your money more chance to grow than it might in a cash savings account. |
| Tax efficiency | Helps you make the most of tax-efficient options such as ISAs and pensions. |
| Investment reviews | Keep track of your investments and check they're still right for you. |
| Later life planning | Plan ahead for later life, including thinking about inheritance tax. |
The Financial Conduct Authority doesn't regulate most forms of Inheritance Tax planning.
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Curious how your goals could grow?
Try our investment calculator. It shows you how investing your money could help you to achieve those all-important financial goals.
What’s the best investment plan?
The best investment plan is one that’s built around you.
Most personalised investment plans spread your money across different types of investments or asset classes. This helps manage risk, because not everything rises or falls at the same time.
We’ll typically recommend you put your money into an investment fund that invests in a range of different assets. This means you’re likely to come across things like:
| Asset type | Description |
|---|---|
| Cash | Money held in cash investments. |
| Shares | UK and global company shares. |
| Property | Investments linked to property. |
| Bonds | Government and corporate bonds. |
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You don’t need to know the ins and outs of everything. That’s our job. When we meet, we’ll explain how it all works and how this approach could help you reach your goals.
What is investment risk?
Risk is a normal part of investing.
Watch our short video which explains what investment risk is, why it matters and how it could affect your returns.
Why choose Skipton?
Whether you're investing for the first time or reviewing what you already have, we'll help you understand your options and make informed decisions about your money.
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To use our investment planning service you’ll need at least £20,000 (or £500 a month). If you’d like us to review existing investments, they’ll need to be worth at least £50,000.
How much is financial advice with Skipton?
| Cost information | Details |
|---|---|
| Upfront costs | No upfront costs for recommendations. |
| Initial advice and implementation charge | Between 2% and 3% of the amount you invest, depending on how complex your needs are. |
| When you pay | Only if you decide to go ahead with the advice. |
Fund and platform charges will also apply to your investments. All charges are clearly explained before you decide to go ahead and are included in your Personal Financial Planning Report.
How to get financial advice
Book your free initial consultation to see if our investment advice is right for you.
Book your call back today
Prefer to call us?
Arrange your appointment by calling us on 0345 731 5342.
Want to find out more first?
Explore our articles on investing and learn how you could make more of your money.
