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Investment Planning

Adroit Financial Planning are experts when it comes to investment planning and can provide all the necessary advice and assistance to ensure the maximum growth of your finances. Please contact our experts for any investment advice.

  • What’s the difference between saving and investing?
  • How do you know if you should save or invest?
  • What should be considered when deciding to invest?
  • What is an investment portfolio?
  • How can Adroit Financial Planning help?

What’s the difference between saving and investing?

Saving and investing are both a way of watching your money grow. When you’re saving, you’re usually putting money aside, a little at a time, to eventually make a lump sum. Most people save money with goals in mind, such as home improvements or holidays. When you’re investing, you’re usually taking some of your money and buying something, such as stocks, shares or property, which you would expect to increase in value and therefore when you sell them, will potentially see a good financial return.

How do you know if you should save or invest?

Whether you save or invest is entirely your choice and there are benefits for both. In most circumstances, it will often depend on whether you’re looking at a short term goal or a long term goal. For example:

What should be considered when deciding to invest?

In our opinion, all investments, including traditional deposit accounts, carry a degree of risk. It’s therefore extremely important that you consider your investment wisely. Here are some important things to consider when looking at making an investment:

  • What are your financial goals?
  • When do you want to achieve your financial goal?
  • How much risk are you willing to take?
  • How much can you afford?
  • Should I seek financial advice?


If you set goals you’ll be able to consider the amount of risk you’re willing to take. For example, there may be more risks if you want to invest to receive a regular income, rather than to sit back and watch your investment grow over time. If you need to see a return within a certain amount of time in order to stay financially stable, this is a greater risk than if you can afford to wait indefinitely for a return on your investment.

We can consider all the risks with you and ensure you make the right decision.

What is an investment portfolio?

An investment portfolio is a collection of assets which is put together by professional fund managers and provides you with all the information you need to ensure your investment is considered carefully and thoroughly.

As every client is different, an investment portfolio can be tailored to ensure that every potential risk is considered. It also explains in detail the potential gain of that investment based on the personal and unique circumstances of each client and investment type.

How can Adroit Financial Planning help?

There are thousands of options when it comes to investing and it can be extremely difficult to understand and decide on the best option for you. Also, the investment market is ever changing.

Our job is to work with you and find the right balance of investments. Nearly all clients will need to keep some money in bank and building society deposits, to ensure there are funds for short term spending and any emergencies that may occur.

When we put investments in place for you, it’s important that we fully understand your objectives for any such sum and critically analyse the types of risk that you are prepared to accept to meet those objectives. We can also keep you fully informed of any changes in the investment market and how they affect you and your investment.

Where funds are identified as not being needed short term, we’ll explain to you clearly and simply the alternatives that are available to you and advise on an investment plan to best suit your needs. We’ll then recommend the right tailored portfolio for you. As we’re independent financial advisers, we’ll show no bias in deciding on the best investments for you.

Contact the Adroit Financial Experts

Should you require advice from one of our experts, please contact a member of our team on 0800 884 0006 or using the form below:

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