PGM Investment Service
We deliver help and expert advice on the key decisions regarding investments. We assess your investment risk profile, meet, agree and select the most appropriate investments; then set financial goals based on all of these factors that are then tracked, measured reported to ensure that they stay on track.
Investment Assessment.
The biggest questions to answer before taking on an investment are do you need access during the investment period; what is your attitude to risk; would you like to avoid some tax; do you need an income from the sum invested; what return are you expecting to get? It is the answers to these questions that will form the basis for our investment advice to you.
Investment Time Periods
Presuming an investment is being made, the next step is to decide on how long the investment will be and for example €100,000 could be divided into the following investment time segments;
- €25,000 over 5 years.
- €25,000 over 7 years.
- €50,000 over 5 years.
The effect of this is to create a portfolio of investments that will begin to roll over after 5 years.
Diversity – Quality not Quantity
The old saying about “not keeping all your eggs in one basket” is definitely true for your investments. Taking different investment time periods as mentioned above is one type of diversity but the most important diversification is having a variety of assets in the investments.
Asset Selection
Typically, your investments will be invested in the following asset categories:
- Stocks
- Bonds
- Real Estate
- International Investments
- Cash
The percentage split between each one depends on you, your attitude to risk, your age, current market pattern and trends and a number of other factors such as the investments suitability, eligibility and affordability to you.
PGM Financial Services can help you select the right investment for you. Contact us for a free consultation.