Inside Business

INVESTMENT

At Countrywide, we provide a truly independent advisory service to our clients.  Our IFAs are highly qualified, experienced individuals with a broad range of investment solutions for all client objectives; from capital guaranteed products, emerging market speculation, traditional ISA / Bond / Unit Trust investments, through to third party litigation funding.

We have excellent in-house research tools at our disposal and have forged many solid relationships with industry partners, which give us the insight to achieve positive returns in any investment climate.

Our Investment solutions:

  • Lifestyle and Risk Profiling

  • Discretionary Fund Management

  • Alternative Investments – Non correlating to traditional markets

  • EIS / VCT

  • Property partnerships

  • Life Settlement Funds


Investment advice should not sit independently of other considerations. Combining this full spectrum of advice with the appropriate structuring in relation to your Inheritance Tax, Estate Planning and Succession requirements and you will achieve a complete solution.

The information given does not provide specific advice and may not be suitable to your individual circumstances.

 

INVESTMENT REVIEW SERVICE

Do you really know how well your investments are performing?

At Countrywide, we believe you have the right to know.

If you have money invested it is vital for you to monitor its performance. You wouldn’t leave your cash unattended so why leave the performance of your investments unchecked?

One of the biggest problems facing investors is that the difference between an investment that performs well and one that performs badly can be enormous. In good times, when stockmarkets are on the up and the value of your funds are growing, perhaps you don’t need to worry quite so much about your investment decisions. But if you do not keep a check on just who is managing your hard earned money and how well they are doing, you could be losing out.Would you know how your funds are faring against other similar types of investment?

Through Countrywide, you have access to the Countrywide Investment Review Service you will receive a report with the facts about your funds you need. This will be updated for you every year so you can keep track.

As a member of Countrywide Estate Planning ifa Investment Review Service, every 12 months you will automatically receive a comprehensive Fund Review on each PEP, ISA, OEIC and Unit Trust fund that you register.

Here are just some of the key benefits:

Key Fund Information
Amongst the information in this section, we provide an up-to-date check on the yield (income) paid out by your fund. If you selected to have your income re-invested this will be done automatically by the fund provider to increase the value of your fund.

Aim of the Fund
The purpose of this section is to confirm what your fund is aiming to achieve. Monitor the performance of your investment fund over the last 12 months compared to the average performance of similar funds in the same sector. We will show you exactly how £1000 in your fund has performed against the average for the sector so you can keep a check to see how your fund manager is performing.

Detailed annual performance
As well as the 12-month performance graph, we will show you exactly how the fund you are invested in compares to the average for the sector in each of the past 5 years (where possible), and the cumulative performance. This will help you to see how consistent the fund manager has been over the medium term.

Our guide to understanding your fund review
You will be provided with a clear, concise guide to the information you receive for each fund review to ensure you can make the most of this service and make the most from your investments.

The service is available whether you are an existing client or not.  As part of the service you can phone us to ask questions about the report or arrange advice if you need it. But you are under no obligation to discuss or meet with us.

To take advantage of this service, call us on 01926 514393 or complete our online enquiry form.

If you have any queries why not take a look at our Frequently Asked Questions (FAQ’s)- designed to answer some of the most common questions we get asked about the Countrywide Investment Review Service.

Tax treatment is dependant upon individual circumstances and may be subject to change in the future.

The information given does not provide specific advice and may not be suitable to your individual circumstances.

 

WHAT DO I NEED TO PROVIDE

Critical questions you should ask yourself as an investor

Do you really know how well your PEP, ISA or fund is performing? We all know the stock markets can change rapidly, so in an ever-changing environment it is really important to know just how your investments are holding up and if they are performing as well as they could and in line with your objectives.
How do they compare against similar investments?

We believe that most investors are not given enough information to monitor performance after they invest. What’s more, tens of thousands of people may not be getting anything like the best returns on their investments simply because they don’t know how well their investment compares to other similar funds. The answer for many investors is “no”. Everyone should receive a statement at least once a year, usually provided by the Fund Managers themselves. If the fund has been successful in relation to other comparable funds, it will make this clear. But what if it hasn’t been successful? You could be losing out!
Would it be helpful to have a completely independent review of the performance of your investments.

Countrywide Estate Planning ifa has put together an expert service to provide a completely independent review of your investments at no extra cost to you!

To take advantage of this service, call us on 01926 514393 or complete our online enquiry form.

If you have any queries why not take a look at our Frequently Asked Questions (FAQ’s)- designed to answer some of the most common questions we get asked about the Countrywide Estate Planning ifa Investment Review Service.

Tax treatment is dependant upon individual circumstances and may be subject to change in the future.

The information given does not provide specific advice and may not be suitable to your individual circumstances.

 

WHAT DO I NEED TO PROVIDE

All you will need is the name of the companies managing the PEP, ISA, OEIC or Unit Trust that you want us to review. You should find these details on a recent valuation statement.

We can track down the rest of the relevant information for you. If you have reference numbers to hand then supply them as well but they are not necessary. When you register an investment with the Countrywide Estate Planning ifa Investment Review Service you give us your permission to seek out the information we need to compile your review.

Any charges will be discussed with you at outset and will be provided in writing before engaging us. It really is that simple and straightforward.

To take advantage of this service, call us on 01926 514393 or complete our online enquiry form.

If you have any queries why not take a look at our Frequently Asked Questions (FAQ’s)- designed to answer some of the most common questions we get asked about the Countrywide Estate Planning ifa Investment Review Service.

Tax treatment is dependant upon individual circumstances and may be subject to change in the future.

The information given does not provide specific advice and may not be suitable to your individual circumstances.

 

LUMP SUM INVESTMENT

Whether you are investing with specific goals in mind, generally want to understand and grow your portfolio, or have a large sum such as an inheritance that you don’t know where to start with, Countrywide Estate Planning can help you.

We are not tied to any financial institution, which means we provide totally impartial independent advice. Research is vital in selecting the most suitable investments and we  have invested significantly in our research systems. It is this rigorous approach to research that sets us apart from the vast majority of other financial advice firms.

A team of specialist staff research the entire market place to identify only those products that meet rigorous specifications. Thus enabling our advisers to tailor their advice to clients to best meet their individual circumstances, needs and aspirations – and offering what we believe to be the best products available – helping our clients to achieve financial peace of mind.

Tax treatment is dependant upon individual circumstances and may be subject to change in the future.

The information given does not provide specific advice and may not be suitable to your individual circumstances.

Click here to request an appointment with an Investment Adviser.

Click here to request a place on a Seminar covering Investing.

Click here to request one of our Guides to Investing.

 
Inside Business

FREQUENTLY ASKED QUESTIONS

Your questions answered –
These are some of the most common questions we get asked about the Countrywide Investment Review Service. If you have any further questions, or would like some advice about the registration process, please call Countrywide on 01926 514393.


Who carries out the Review Service?
The service is carried out by qualified Advisers along with a dedicated team of support staff within Countrywide Estate Planning ifa, or our associates. Countrywide Estate Planning ifa is part of the Countrywide Group of Companies.


Will I have to meet somebody to discuss my review, or be pestered with phone calls?
No. You are under no obligation to meet an adviser or speak to anyone about your review. Of course if you would like more information of want to arrange to discuss it further with an adviser we would be pleased to arrange this for you.


Do I need to contact the company who sold me the investment in the first place?
No. Once you join the service Countrywide can take care of all the paperwork.


Will becoming a member of the Countrywide Investment Review Service mean changing my investment?
No. The authority you will need to provide is to act as your ‘Agent’ which simply enables Countrywide to seek the information they need to provide you with your Fund Review(s). Your investment and the way it is managed remains completely unchanged, unless you decide otherwise.


Do I still control my investment?
Yes, absolutely. The service allows you to monitor how well your investment is performing, but only you can decide if and when you wish to transfer your investment to a different fund.


Do I have to know the names of the funds in which I am invested?
No – as long as we have your details and the name of the companies managing the investment you want us to monitor, Countrywide can track down the relevant information.


Am I committed to the Countrywide Investment Review Service on a long term basis?
Not at all. You are completely free to change your PEP, ISA, OEIC or Unit Trust ‘Agent’ as often as you like, however cosideration needs to be given to any penalties at the time and Countrywide will provide guidance in these circumstances.


Will I have to wait 12 months for my first review?
No. As soon as you have registered with the service, Countrywide will write to your Fund Manager(s) to obtain the relevant information that will enable us to carry out your first review straight away, and annually thereafter.


Will I still get valuation statements from the Fund Manager?
Yes - our independent review is in addition to any statements that you normally receive from your Fund Manager during the year.


If my investment is performing badly, will you recommend an alternative?
Initially we will provide you with a review service only. If you are concerned about the performance of your investment please contact us and we can arrange for you to speak to one of our independent financial advisers.


Are there any catches?
Absolutely not – there are no catches and no hidden charges. Any fees / charges will be highlighted and discussed with you before any work is undertaken,


Tax treatment is dependant upon individual circumstances and may be subject to change in the future.


The information given does not provide specific advice and may not be suitable to your individual circumstances.


To take advantage of this service, call us on 01926 514393 or complete our online enquiry form.

 

INVESTMENT: OVERVIEW

Do you know how much risk you are prepared to tolerate when you invest? This is the question that lies at the heart of investment planning – and very often the discussions about risk take the longest. The basic investment choice is between the following asset classes:

  • Cash deposits in banks and building societies.

  • Fixed interest securities – effectively loans to the government or businesses.

  • Property – commercial or residential (very different from each other).

  • Equities – shares in companies listed on stock exchanges.

These are the building blocks of investment portfolios. Your risk profile – how much risk you can and should be prepared to take on – will help determine the appropriate mix of these basic components in your portfolio, usually called the asset allocation.

In theory at least, the market rewards those who are prepared to take on the highest risks by generally providing the highest returns. Equities, for example have usually outperformed the other asset classes. But investing in equities can provide a bumpy ride and you need to spread your investments over different companies, industries and markets to reduce the risk. If you can afford to take a long view, you can probably afford to accept higher risks.

There are several other factors to consider such as how investments are taxed, and the choice of fund managers and institutions, which can make a substantial difference to your returns, but asset allocation is almost certainly the key decision.

Tax is not generally the most important aspect of investment planning – but your investment returns can be greatly affected by your tax strategy, so it is well worth taking tax into account.

The value of your investments - and the income from them - can fluctuate and it is possible that you might not get back a significant amount of your investment. Past performance is not a guide to future performance and may not be repeated.