Recently at MAP we had what we think of as a success story, and no it didn’t happen overnight.
A couple who have used the MAP investment platform since 2011 found themselves this month, after a good period on the stock markets, having total gains over the total time of their investment period in excess of £½million.
The couple had followed a fairly balanced investment strategy of 30/40/30 – which is investing in three funds at 10% each in cautious low risk, four funds at 10% each in middle risk and three funds at 10% each in high risk.
We had monitored this money every quarter since inception, and had received the clients’ permission to switch funds as and when we thought it necessary. The clients admitted early on that they had no knowledge of all of these funds, and so basically let us get on with it, which is what we did.
Calculations show that we have managed to get them 7.88% per year every year since we started in 2011. Bear in mind that whilst the FTSE100 achieved an index figure of 7,500 in August 2017, it started off in 2011 at about 5,700. At February 2016, it had fallen to 5,700 from around 7,000 in April 2015, so there have been some lows as well as highs.
The MAP investment process aims to hold clients investments in solid funds which perform consistently well. That is all we are trying to do – it’s not rocket science, but, with rigorous research and hard work, we can deliver strong returns.
If you have money to invest, why not try the MAP way; it really works. Call us on 0345 241 1808 or e-mail us on email@example.com.
One of the things that has happened recently and has probably gone unnoticed by many is that the female State pension age has been raised. This will have a profound effect on many people’s pension planning – both individuals and married – and we would guess that not many people actually know about it, let alone do anything about it.
Pensions are basically a long-term savings plan with tax relief, and because of this long-term effect, you cannot change things easily. A person should put away as much as they can afford into a pension and get the relevant amount of tax relief. If this satisfies what you are likely to need when you get to retirement age, fine.
But what is satisfactory? Here is a sample estimation:
Say your parents and older siblings died at age 90, meaning you could very well need 25 years of pension if you retire at 65. Furthermore, you are likely to £15,000 per year in retirement. This means you will need a pension pot of about 25 x £15,000 = £375,000.
You then need to do a cumulative growth calculation for the years you will be saving and how much you can save per year. Using our cumulative growth tables, if someone aged 23 put £3,000 away per year and got 6% growth on this, at age 65 they should have around £375,000.
Pension planning is something everyone should do but is not a straightforward process. So why not contact MAP and we can assist. You can call us on 0345 241 1808 or e-mail us at firstname.lastname@example.org.
Our client’s goals are what drive us to do our utmost for them. Your financial goals will become our targets.
We understand that for any and all aspects of your finances, a number of factors are important. Good advice at both the outset and on an ongoing basis, careful planning and successful investing will help you and indeed your money reach your financial goals.
Our approach has been tailored over many years of looking after client’s wealth, and has been structured to suit their needs and service requirements. We do the total opposite of a ‘one size fits all’ approach.
The values we bring as a financial adviser to any client are:
Our clients choose their financial destination and we MAP out the journey for them.
There are many reasons to choose MAP for independent financial advice:
Perhaps most importantly of all, we come tried and tested – read the reviews of just one of our advisers and see for yourself.
Wherever you are on your financial journey, let us provide the MAP to your desired destination.
Past performance is not a reliable indicator of future results