Investment
planning

Whatever your long-term financial goals, investment planning is the key to help you achieve them.

What is investment planning?

Our expert Financial Consultants can work with you to understand what assets you currently have, and how best to manage them to make your money work harder for your future.

With our financial advice, we will help you explore topics such as how long do you have to reach your goals, what tax wrappers are available to you, and how much risk are you willing to take? From here, we can support you with creating an investment plan that not only aims to help you to achieve capital growth but does so in the most tax-efficient way possible.

When exploring any investment options or creating an investment plan, it’s important to remember that it’s ‘time in’ rather than ‘timing’. Being patient with your investments and allowing them the time to grow will be imperative to reach your long-term financial goals.

Why is investment planning important?

We understand that having long-term financial security is key to achieving peace of mind. That’s why our Financial Consultants will work with you to help you to understand the different types of investment available and support you in creating a sound investment strategy that will help you reach your financial goals.

The markets have consistently shown that a long-term investment strategy is likely to give returns, but it’s about understanding which type of investment strategy is right for you. When investment planning with Cooper Associates Wealth Management, we’ll begin by understanding your investment strategy goals. This will then form a strong foundation for the plan we put in place.

With our personal financial advice, you’ll also be able to discover the tax benefits available to you to make your investment strategy as tax efficient as possible. We will look through wrappers such as tax-free income, tax-free capital growth, inheritance-free tax solutions, and ensure you have plans in place to use the allowances you have per year through savings pots, ISAs, and pensions.

Setting investment goals

To set investment goals, you’ll need to begin by understanding the timeframe of your overall financial goals. We usually class these as short term (between one and five years), medium term (between five and 15 years), and long-term (over 15 years). From there, we will then need to understand what financial goals you’re working towards to ensure they are achievable within the desired timeframe.

Common investment goals usually sit within the medium- and long-term brackets. These include having enough saved to retire early, clearing a mortgage, or setting up funds for children’s’ or grandchildren’s’ futures, such as investing for education.

We’ll also talk about your appetite for investment risks. Your risk level is based on how comfortable you are when it comes to managing the inevitable ebb and flow of the markets. Some people are naturally risk takers, others are risk averse. Considering this, as well as understanding your goals and the timeframe in which you have to achieve them, will build a good picture of what your investment plan could look like.

It’s important to remember that any investment strategy comes with risk, even those pots that are deemed ‘low risk’. Many people think about risk as losing money, but by only choosing a low-risk portfolio, there’s the risk of low returns. Our Financial Consultants will work closely with you to ensure your investment plan makes your money work as hard as possible while balanced with a comfortable risk position for you.

How to invest the right way

There are three main types of investment strategies: capital growth, investment for decumulation, and portfolio investing. Our Financial Consultants will discuss with you which of these investment options might be right for you, dependant on your long-term financial goals.
However, whichever route you take, the key to any successful long-term investment requires three core components:
  • Component one
    Component one

    Diversifying your money in a portfolio of asset classes, which would usually include cash, equities, bonds, property, and commodities, is fundamental. These asset classes react differently to the same market events, helping you to achieve your long-term financial goals while reducing risk. It’s about ensuring you don’t have all your eggs in one basket.

  • Component two
    Component two

    Ensuring your money is managed by expert fund managers is critical. Following a rigorous research process, the fund managers chosen from around the world to manage your money with us have been selected because of their outstanding ability.

  • Component three
    Component three

    Remember that your investment strategy needs time. To accomplish your financial goals, you need allow for a medium to long-term timeframe to see returns. Think decades, not days.

Component one
Component two
Component three
Component one

Diversifying your money in a portfolio of asset classes, which would usually include cash, equities, bonds, property, and commodities, is fundamental. These asset classes react differently to the same market events, helping you to achieve your long-term financial goals while reducing risk. It’s about ensuring you don’t have all your eggs in one basket.

Component two

Ensuring your money is managed by expert fund managers is critical. Following a rigorous research process, the fund managers chosen from around the world to manage your money with us have been selected because of their outstanding ability.

Component three

Remember that your investment strategy needs time. To accomplish your financial goals, you need allow for a medium to long-term timeframe to see returns. Think decades, not days.

Julia and I are very happy to recommend Cooper Associates Wealth Management as we are both enjoying our retirement with financial security thanks to their sound advice.

Mr and Mrs Statton, Retired

How to invest with Cooper Associates

Take control of your financial future today through effective investment planning with Cooper Associates Wealth Management.

Whatever your financial goals, our comprehensive resources and expert guidance will empower you to make smart investment decisions to achieve your ambitions. This includes identifying the right investment strategies, optimising your investment plan in the most tax-efficient way, and helping you to plan for retirement. We’ll ensure your money is working as hard as it can for you.

Take the first step towards growing your wealth and securing a prosperous future by contacting us. We’re here to help you unlock your money’s potential. Get started with investment planning today.

The value of a pension with St. James’s Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.

Frequently Asked Questions about Investment Planning

What kind of investment advice can I receive from Cooper Associates?
What if I already have investments elsewhere?
How do I minimise taxes on my investments?
How often should I review my investment plan?
How much money should I have to start investing?

What kind of investment advice can I receive from Cooper Associates?

We will always give you tailored advice that matches your needs and goals.

What if I already have investments elsewhere?

That’s not a problem, you can invest with us too. We’ll also work with you to review any current investments you hold to make sure these are appropriate for your financial plans.

How do I minimise taxes on my investments?

Seek advice. Our expert Financial Consultants will be able to work with you to find out which tax wrappers are available to you.

How often should I review my investment plan?

We recommend reviewing your investment plan once a year at a minimum. However, if your financial circumstances change, then it may be appropriate to review more than once a year.

How much money should I have to start investing?

There is no minimum amount required to begin investing with Cooper Associates Wealth Management.

Book an appointment

Our expert advice is free, simple and tailored to you. Why not book an appointment?

Start your future today >

Our Locations

Taunton (Head Office)

T. 01823 273 880

40 St. James Buildings,
St. James Street,
Taunton, Somerset TA1 1JR

Bristol

T. 01454 629 610

130 Aztec, Park Avenue,
Aztec West,
Bristol BS32 4UB

Cheltenham

T. 01242 569 853

Honeybourne Place,
Jessop Avenue,
Cheltenham GL50 3SH

Exeter

T. 01392 345 544

Regus Business Centre,
3rd Floor, The Senate,
Southernhay Gardens,
Exeter EX1 1UG

London

T. 0208 042 0310

30 Lombard St,
London,
EC3V 9BQ

Plymouth

T. 01752 746 848

4th Floor, Salt Quay House,
6 North East Quay,
Sutton Harbour,
Plymouth PL4 0HP

Reading

T. 0118 207 9319

1210 Arlington Business Park,
Theale,
Reading RG7 4TY