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Category Archive Investments

Bydylanbbd

Work with Us

We are looking to talk with Independent Financial Advisers, or indeed tied/restricted financial advisers, who are looking to make a move to the independent sector to enable them to be able to provide their clients with a full financial planning service. We are particularly keen to speak with self-employed individuals who are generating an income of £100,000 or above with ambitions to grow their business; without the burden of regulation and other headaches which impact heavily on advisers daily activities.

For those ambitious advisers looking to join one of the UK’s leading team of financial advisers we are able to provide a range of support, benefits and operational infrastructure including;

  • Technology – We use the best technology to enable our advisers to work effectively in an ever-changing and challegning world. Our CRM is the UK’s largest provider of web-based technology to the financial services industry, for providing fine details of investing wisely we use industry leading analytics software to do our research and provide the information required to manage succesful portfolios, when it comes to retirement planning we use the most highly regarded tool within the market and when it comes to support clients with protection and mortgage needs we use industry favourites also when it comes to cashflow modelling our tool plans out a client’s retirement based on their spending, attitude to risk and specific plans.
  • Financial Implication – At MAP we keep everything simple; we cover FCA fees and levies, PII costs and have no additional licence fees of any kind – unlike competitors we don’t believe in bolt-ons or complicated charging systems – we allow you to keep up to 90% of your generated income with no hidden deductions.
  • Compliance – As an industry which is highly regulated we ensure we partner with the very best to support our team of advisers – the firm we partner with is winner of ‘Money Marketing 2020 Best Network/Support Provider’. Adhering to their advice, guidelines and support has provided many opportunities and benefits to our business including affordable renewels on our PII.
  • Support – We know your in business not because you love the tedious parts of the financial services industry, but because you pride yourselves on making a difference to your clients. We’ve taken away the need for advisers to worry about sales processes, we monitor our investments and contact clients to alert them when switches should be required, explaining rationale behind our recommendationsand make any agreed switches on behalf of our advisers – ensuring your client’s portfolios are maintained on a regular basis. Further to this we have our own external Marketing Consultant to work with the team around lead generation, social media and all general client communications.
  • Licences – As an independent firm we offer advice across all categories of products in the financial services sector; we have an internal team including fully qualified Pension Transfer Specialists, Equity Release Specialiasts, Mortgage Brokers and our own Investment Manager who is a fully qualified Tax Accountant and IHT Specialist.
  • Work where suits you – we offer both home-working or office-based environments for the team to work from – and of course you could use both! Our office in Hillington Park just outside Glasgow is free to use with all normal office facilities available with free car parking and the ability to hot-desk as well as interacting with colleagues. All of our systems and support is web based so whether you have your own office, work from home or in our office – we can help.
  • Client Communications – One of the advantages of joining the MAP team is our comprehensive client support package to compliment your service agreements; this includes our quartley client newsletters, annual tax guides, marketing emails and bespoke client communicatons. Plus with access to our Intelliflo Office all clients have access to their own portal where they can view the progress of their investments – in addition to a live online chat function and paperless document transactions.

To find out more about the opportunities to work with Money Advice and Planning please please contact our Business Development Manager Ian Clisby on 07788 566 7850 or email ian.clisby@mapfinances.co.uk, he will happily discuss your current working setup and show you how working with MAP can provide many more benefits – not just to you, but also your clients.

Bydylanbbd

Investment Risk

Let me say first of all that when anyone invests money there WILL BE SOME RISKS INVOLVED. How much depends on the individuals choices and approach. Let me explain. 

ALL investments have risks involved and as you can imagine – some risks are higher than others. What we do at MAP is divide all funds into 5 categories – although we mainly use only 3 of these (2, 3 and 4). 

Category 1 risk is the situation where you have very little risk at all such that the chances of losing money are small if not negligible. If you choose this category though you will get very little growth in return and an example of this is bank interest, and this explains why this is not used a great deal as returns don’t cover costs. 

Category 2 risk is where someone is looking to invest and make returns at least more than inflation, and the chances of loss are not that high. Such investments are not in high volatile areas – hence the low-risk rating.   

Category 3 is middle risk and there is a chance of losing money, although no-one will say how much.    

Category 4 is high risk where you could lose a significant amount of your investment and finally 

Category 5 is where you could lose everything, and that’s why we very rarely use this one – as you can imagine.     

At MAP we do a spread of funds when we invest a clients money because that spread alone will reduce risk, and I would say that anyone investing should not put all their eggs into the one basket – but take a spread. 

When we invest a clients money, it is the client who chooses what risk levels they want and what they are comfortable with, and that choice is not cast in stone and can be changed as and when the client wants. This ensures that the risk levels are kept to comfortable levels.  

When we do investments, we do a lot of research on what funds we are going to use, and this alone will reduce risks, because we only use those funds that have a good consistency over time – thus reducing risk.     

Remember that at the end of the day, you will only get a return if you take some risks, so there will always be risks there – you just have to watch them, but if you control things along the lines discussed here, you can reduce risks levels to what you are comfortable with.   

The material is for general information only and does not constitute investment, tax, legal or other form of advice.  You should not rely on this information to make (or refrain from making) any decisions.  Links to external sites are for information only and do not constitute endorsement. Always obtain independent professional advice for your own particular situation.  Money Advice & Planning Ltd is authorised and regulated by the Financial Conduct Authority.  For any enquiries, contact Andrew on 07957 836211 or enquiries@mapfinances.co.uk  

Bydylanbbd

The Cost of Investing

I had a recent case, where a potential client asked me to look at her pension and give her advice on what she could do with it. It was worth just over £600,000 and so was a sizeable pot, and my recommendation was to put this onto the investment platform that we use with a spread of between 10 and 15 funds. That to me was the logical way to approach things because the best kind of protection you can give a pension pot of this size is NOT to put it all into the one company or the one fund. This client however didn’t take my advice as it cost too much and she was looking for the cheapest option out, which in my opinion was not the best way to look at things.

In this world today – you pay for what you get and you get what you pay for, and in this instance this lady was looking for the cheapest option and logic would go out the window. The cheapest option is usually to transfer the money into one of the big insurers, maybe use a 2 or 3 funds – and invariably it would never get touched at all for the rest of its life. The initial cost would be 1% or 2% and then something like 0.5% or 0.75% a year.

What we would propose at M A P is that this money would go into 12 funds to get a good spread of risks and areas, and we would then monitor the funds ongoing making switches as and when necessary. We have always found that economic conditions change – and so should any investments change at the same time or they can become obsolete. In our opinion to do anything else would be foolish and more importantly when you consider that this pension pot is what you are going to be living on for the next 10 15 20 years – or whatever time span, then you really need to look after this money.

We don’t think that our charges are expensive and we charge 3% initially and then 1.2% a year thereafter, and our track record speaks for itself as current reviews for existing clients all show double digit figures in growth. Yes we will look more expensive than someone charging 1% or 2% but everyone needs to remember that if you don’t pay for a service – then you won’t get one, and to pay 0.5% or even 0.75% a year isn’t getting close.

We offer VALUE FOR MONEY, and I would dearly love to tell people the growth rates that we get for existing clients but current legislation prevents this, but we certainly offer value for money advice and as evidence of that, we don’t have any clients leaving us and going elsewhere.

I would say that if you pay little – you will get little in return. I appreciate that it doesn’t always hold out that if you pay more, then you will definitely get more – but in the vast majority of cases – we do.

When looking to give business to an IFA – LOOK and see what you are getting for your money, and then decide if that is the best course of action for it. Bear in mind that when it is pension money – it NEEDS to last a lifetime – will a cheaper option do that ? You owe it to your pension and future retirement to look after it and not just withdraw from it.

The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Links to external sites are for information only and do not constitute endorsement. Always obtain independent professional advice for your own particular situation. Money Advice & Planning Ltd is authorised and regulated by the Financial Conduct Authority. For any enquiries, contact Andrew on 07957 836211 or enquiries@mapfinances.co.uk

Bydylanbbd

Could MAP be the right place to grow your IFA business?

Looking after clients’ investments and portfolios is perhaps the biggest drag on an advisers time. So ask yourself the question ‘How often do you actually look at your clients portfolio’s over a 12- month period’………perhaps just once a year prior to the annual review?
Unfortunately, this is not unusual.
At MAP we approach this in a different way to make sure our advisers don’t spend their days juggling too many balls in the air, we believe their skills are around their client facing attributes and not spending days on end analysing the markets or worse still doing the 12-month fingers crossed approach.
All our advisers have their client portfolios and investments managed in house, our experts track the markets on a daily basis keeping our eyes on the ball on behalf of our adviser team. This makes sure that all our clients have the comfort of knowing that their goals and aspirations are being kept firmly on track and the advisers have the confidence in knowing MAP are supporting them in delivering excellent returns for their clients.


So how does this work? Using technology such as FE Analytics we look for the trends and make sure everything is kept on track. Should a change be required we contact the clients directly explain what is required together with our rational for any proposed changes and only when we gain the clients consent will we implement these changes in-house. We work with the various platforms and providers dealing with the time-consuming paperwork which eats up an advisers time. All documentation from start to finish is logged on our IT systems and advisers can see at a glance what activity has been undertaken by MAP on their behalf.


So in essence we do all the heavy lifting allowing our adviser team to concentrate on the day job growing their business in a profitable way.


If this resonates with you then give me a call on 07788-566547 and let’s explore how MAP could well be the right fit for you and help you develop, support and grow your business profitably without having to juggle those balls.


The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Links to external sites are for information only and do not constitute endorsement. Always obtain independent professional advice for your own particular situation. Money Advice & Planning Ltd is authorised and regulated by the Financial Conduct Authority. For any enquiries, contact Ian on 07788 566547 or ian.clisby@mapfinances.co.uk

Bydylanbbd

Investing to get value for money

I don’t doubt for a minute that everyone but everyone wants value for money – that’s a given. Few people though would actually know what it was even if it hit them in the face. I would bet that most people would look at cost – to see if they could get value for money, but that is oh so wrong.

M A P is not the cheapest offering in the market admittedly, but please remember the old saying that you pay for what you get and you get what you pay for. If someone came to us looking to invest say £100k, then our standard initial charge is 3% and ongoing is 1.2%.

INITIAL charge allows us to do research on what funds to use and we would invariably use 10 funds putting £10k in each – and that starts you off with a good spread.

ONGOING – we review the funds that each client uses on a quarterly basis and will switch funds (with permission) if they are not performing as planned. It is this attention to detail that you are paying for.

Recent results over the last 6 months have shown growth figures of 11.4% up to 16% p.a. as we have given clients a good spread of investments and we monitor everything carefully.

Compare this to someone who has gone for a cheaper alternative of 2% initial and usually 0.5% ongoing, and I would bet that only one fund is used, and this is very rarely changed in any way. This is what they call passive investing.

Sample returns from the big insurers are around 5% or so p.a.

So you tell me what is the best value for money ?

To measure value for money – you need to see what you get back for your money – not just the cost.

The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Links to external sites are for information only and do not constitute endorsement. Always obtain independent professional advice for your own particular situation. Money Advice & Planning Ltd is authorised and regulated by the Financial Conduct Authority. For any enquiries, contact Andrew on 07957 836211 or enquiries@mapfinances.co.uk

Bydylanbbd

Investing money today

I was recently approached by one of my long-standing clients about an investment that they had done with another adviser a while back, and they were not terribly satisfied with what the other adviser had done as the returns from the investment were poor.

Now we can all say in hindsight that we wouldn’t have picked this fund or that fund, and it is far too easy that we would have done something different, but what my main objections were about this, was that ALL of the client’s money – and it was £50,000 – was in one single fund and that is something that I would never do. I am a great believer of not putting all your eggs into the one basket, never have been, and what I would have done is to put this money into 10 funds, as I usually do a minimum of £5,000 per fund.

The other thing to bear in mind with some advisers is that the client as I said was only ever invested in one fund but it had been there since the investment began some 7 years ago, and to me that is totally wrong. The only thing that is guaranteed in life is that EVERYTHING WILL CHANGE, and the research that was done some 7 years ago to justify putting a clients’ money into ONE fund, would not have stood the test of time, and something should have happened to change this – but some people invariably don’t want the hassle of changing funds when they don’t make much if anything from that.

The way that MAP does investments, is to use a platform with a wide range of funds, where switching funds is very easy and inexpensive, but it allows our IFA’s to keep on top of a clients money at all times, so that we work hard to maximise returns. Why else do you invest money after all, but to make a good profit and, as we charge for ongoing advice, the bottom line is that if we can increase a persons’ investments then we in turn benefit form that as well, so it’s a no-brainer.

If you are going to invest any money at all – ISA’s – pensions or investments, please look for an adviser that gives you an ongoing service. MAP does.

The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Links to external sites are for information only and do not constitute endorsement. Always obtain independent professional advice for your own particular situation. Money Advice & Planning Ltd is authorised and regulated by the Financial Conduct Authority. For any enquiries, contact Andrew on 07957 836211 or enquiries@mapfinances.co.uk

Bydylanbbd

Planning your Finances

When someone thinks of planning, they may very well imagine that this involves a lot of technical stuff that is beyond them, but I would suggest that this is where an IFA comes in. An individual can then do the framework of what he or she wants, and the IFA would then be able to fill in all the details and suggest what needs to be done and when.

It never ceases to amaze me how many people do not do any planning, and are then surprised when they get a tax bill, and ask me IN ARREARS what I can do to make it go away. You won’t be surprised to know that in many cases I can do very little because actions needed to have been taken BEFORE certain events.

If you just leave something to happen, how do you know what the end result is ? Is it going in the same direction that you were hoping. Planning starts to get things moving in the right direction, and then you can tweak things on an ongoing basis when it isn’t, but the main thing is that you keep your eyes on it and do what is necessary to steer it in the right direction.

The old saying is failure to plan is planning to fail. It’s true !!

So why don’t you sit down today and list your objectives for savings, for pensions and even life insurance, and then have a chat with your IFA to see what you need to do to try and achieve those objectives. MAP advisers are only too willing to sit down with you and your plans.

The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Links to external sites are for information only and do not constitute endorsement. Always obtain independent professional advice for your own particular situation. Money Advice & Planning Ltd is authorised and regulated by the Financial Conduct Authority. For any enquiries, contact Andrew on 07957 836211 or enquiries@mapfinances.co.uk

Bydylanbbd

The Cost of Investing

It never ceases to amaze me that some people think investing is so easy, that they could do it blindfolded and still make money. Now to a certain extent that is true in a bull market when prices and valuations basically only rise, and let’s be honest, at times like this you could invest in almost anything and it would make money. But, this last week saw a big drop in the FTSE and other markets over fears that the control over COVID is not getting a great deal better, so what do investors do then?

The simple answer is not to panic. Yes, everything will go down in value and you will be hit with losses on some funds, but that is to be expected and the main thing that you need do is anything but a knee jerk reaction – as that will give you the wrong outcome. Of course, some advisers will do nothing anyway as they may have clients in passive type funds, but that shouldn’t stop them reviewing things.

What we do at MAP is fallback to our research BEFORE we do anything, because it is always far better to have a logical approach to things as opposed to a scatter gun approach. At MAP we do two main pieces of research on what funds that we use and this is 1. Long-term and 2. Short term. The long-term approach wouldn’t change things in this aspect as what we look at is what funds have good consistent performance over 1, 3 and 5 years. Where the main difference is though is in the short-term analysis. Every week we analyse all the funds that have a good long term performance to find out the best ones that are still doing this SHORT TERM and in this respect we look at performances over the previous 3 months, and we highlight the top 10 performers in low risk, middle risk and high risk.

So what we would do at MAP is wait until any fall in values has settled down, and then we would look to see what funds have maintained their performance in the short term – and this then identifies the funds that we would use – and it is based on FACTS. This means that you are not doing a knee jerk reaction and instead only making changes based on logical facts and statistics. Far better that way.

We don’t do a lot of research to find out the best funds for our clients only to jump out of them at the first hint of trouble.

MAP does all the background work – so that you don’t need to.

The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Links to external sites are for information only and do not constitute endorsement. Always obtain independent professional advice for your own particular situation. Astute Invest Ltd is an Appointed Representative of Money Advice & Planning Ltd who is authorised and regulated by the Financial Conduct Authority. For any enquiries, contact Andrew on 07957 836211 or enquiries@astuteinvest.co.uk

Bydylanbbd

Investing money

I invested money for a client just 10 days ago, and this morning I received a frantic email that one fund had lost a lot of money – it was almost like a cry for help, so this showed that I had failed in my first task.

When you invest money, it needs to be for at least 3 years minimum, because you need that amount of time to cover charges and start making money yourself. Bear in mind that values of all units will fluctuate and in the short term they may very well fluctuate down the way – so you need to keep that in mind. My client, had only invested the money and was looking at things daily, and he wanted an explanation of why a particular fund fell on the day – well ……. I told the client that he needs to look at values say once a week – and not every day, otherwise he could give himself a heart attack. Investors also need to bear in mind that when you invest money it is not like a deposit account at the bank where you check in every so often to see how much you have gained. Investments do go down as well as up – and you should almost expect this to happen with most funds/shares – that is investing. When you see adverts for investments – the Regulator always gets a statement inserted saying that the value of investments can go down as well as up, and this is an attempt to stop the expectation that they can ONLY go up.

When MAP does any investments for clients – this is why we pick a range of funds, so that we can hope that any value falls are compensated by other funds where value gains. By taking a spread of funds you are attempting to reduce the risk, and just think how bad it would be if you had all of your investments in just one fund – and that went down. Well……

This is also why MAP monitors the funds that we use, because we identify the losing ones and instead of a knee jerk reaction on getting clients out of those funds as quickly as possible, we have look over something like 2 – 3 weeks and if there is no improvement, then by all means we look to switch those investments into other funds, but we take our time to evaluate and don’t just jump in.

We don’t do a lot of research to find out the best funds for our clients only to jump out of them at the first hint of trouble.

MAP does all the background work – so that you don’t need to.

 The material is for general information only and does not constitute investment, tax, legal or other form of advice.  You should not rely on this information to make (or refrain from making) any decisions.  Links to external sites are for information only and do not constitute endorsement.  Always obtain independent professional advice for your own particular situation.  Money Advice & Planning Ltd is authorised and regulated by the Financial Conduct Authority.  For any enquiries, contact Andrew on 07957 836211 or enquiries@mapfinances.co.uk    

Bydylanbbd

The MAP monitoring system

When MAP invests money for any client, it is not just a case of putting the money into a spread of funds and walking away – in fact it is the opposite of this.

When we invest a clients money, first of all it is into funds that are found to be performing consistently over the long period AND are still performing well over the previous 3 months.  And that is basically our work merely starting because we then have 3 ongoing monitors.

1. Every calendar quarter we produce what we call the Recommended Fund List and this looks at shortlisting those fuds that have a consistent half decent performance over the previous 5 years. We usually only take funds in excess of £100 million, and any funds we choose need to show a reasonable level of consistency, as we don’t want to pick a fund that is doing 20% today and minus 3% tomorrow. As we need to be able to “rely” on some kind of consistency, then we only use funds that are statistically consistent.

2. Every week, we analyse all the funds in the Recommended Fund List and we list the top 10 performing funds in each risk category from the statistics of the previous 3 months. This then gives us the confidence that a fund that has performed consistently well over the previous 5 years is STILL performing well in the short term – and so can be used, and by listing these in order of return – lets us invest in the best performing areas at all times.

3. In addition to the above 2 monitors, which focuses on funds, what we also do at MAP is analyse all funds performances over time as well.    It’s not too difficult to include fund ABC in your lists and it may be performing well over 5 years and maybe even over the last 3 months as well, BUT, don’t forget that in investing everything WILL change at some time, and you need to keep your eyes on things. So what I do almost daily is go into our investment platform and can list all the funds used, and keep my eyes on those funds showing a negative return.   I will monitor these for a few days and if no improvement, will then look to switch clients out of those funds and into other ones that are doing well.            

So basically, MAP does all the background work to get investments into the right funds and keep them in the right funds – even if it means changing them.  

MAP looks after our client’s money as if it were our own.

 The material is for general information only and does not constitute investment, tax, legal or other form of advice.  You should not rely on this information to make (or refrain from making) any decisions.  Links to external sites are for information only and do not constitute endorsement.  Always obtain independent professional advice for your own particular situation.  Money Advice & Planning Ltd is authorised and regulated by the Financial Conduct Authority.  For any enquiries, contact Andrew on 07957 836211 or enquiries@mapfinances.co.uk