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Trusted advice on pensions & retirement, mortgages, inheritance tax planning, and more.

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Local Savings & Investment Advisers

Simple Steps to Investing

The five simple steps below will help you get started on your investing journey

Why Should I Invest?

Not sure where to start? One of the most important decisions you will make on your investing journey is the decision to start. It’s important to be focused on what you want to achieve. Your financial adviser will be able to help you with this.

What is Investment Risk?

Risk is an integral part of investing. To get higher potential returns, you need to take risk. How much you take depends on a lot of things. We have created six investor risk profiles to help you understand how much risk you are comfortable taking.

How Can I Invest?

There are thousands of funds available across the whole market which can be used to build your investment portfolio. Your financial adviser will typically allocate one diversified managed portfolio for each distinct financial objective you have.

What is the role of my financial adviser?

Your financial adviser will do a great deal more for you than simply recommend what you should invest in. Investing is just one part of the overall picture and should never be considered in isolation.
It’s important to understand that investing is a long-term commitment. When you invest, your money is used to buy different types of assets with the aim of them growing in value over time.

Your financial adviser is here to make your investing journey smooth and stress-free. They’re ready to guide you through every step, explaining everything clearly, and make any decisions with you.

Your financial adviser will support you and give tailored advice to suit your personal circumstances.
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Local Investment Advisers

Why Should You Invest?

People invest for many reasons which help establish their financial goals. Some of the most common reasons you might invest include:
Build your wealth: Investing intelligently over time can create wealth, financial freedom, and security through various strategies, fostering prosperity and growth.
Live happily in retirement: Early strategic investing for retirement harnesses time and compounding - earning interest - potentially securing a worry-free, desired lifestyle in your golden years.
Generate an income: Investment generated income provides alternative earning, potentially safeguarding you against economic downturns and unforeseen life events.
Work towards a better future: Investing goes beyond profit. Responsible investment in sustainability, social justice, and the environment can leave a positive legacy for future generations.
Build generational wealth: Long-term investing can build generational wealth and a legacy to leave, allowing you to empower a prosperous future for your loved ones.

The Real Value of Financial Advice

" Most unadvised customers would experience better financial outcomes if they followed professional financial advice."
Source: Adviser Delta, a Quilter research paper on the importance of advice, June 2019.

Please note, this research was originally conducted in 2016. The figures quoted are likely to have changed over time and should not be used as advice. It is intended for illustrative purposes only.

Consider this example:

Average retirement income without financial advice £17,168.
Average retirement income with financial advice £24,175. This is 40% higher (£7,007) than without financial advice.
Over a 21-year retirement, this means having an extra £147,147.

Whether you prefer a local adviser visiting you in person or a remote consultation by phone or video call, we tailor our service to meet your needs, wherever you are in the UK.

Why choose Beals Financial Advisers?

Working with our financial advisers offers trusted expertise, personalised guidance, and tailored strategies to achieve your financial goals:
We take a comprehensive view of your financial situation, considering factors such as insurance, mortgages, retirement, savings and investments, estate planning, and cash flow management.
We can provide strategies to minimise tax liabilities, ensuring you keep more of your money.
We can help you develop and manage an investment portfolio that aligns with your financial objectives and risk profile.
We have access to a wide range of financial products and tools that may not be available to individual investors.
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Frequently Asked Questions

What is the difference between saving and investing?

Saving typically involves setting aside money in a secure account for short-term goals or emergencies, earning minimal interest. Investing, on the other hand, involves putting money into assets like stocks, bonds, or funds with the aim of achieving higher returns over the long term, though it carries more risk.

How do I decide between a savings account and an investment?

If you need access to your money in the short term or want to minimise risk, a savings account is often more suitable. For long-term goals, investing could offer higher potential returns, though it comes with greater risk. The right choice depends on your time horizon, risk tolerance, and financial goals.

What types of investments are available to me?

Common investment types include stocks, bonds, mutual funds, property, and alternative investments like commodities or private equity. Each carries different levels of risk and potential returns.

How can I reduce the risk when investing?

Diversification is a key strategy for managing risk. By spreading your investments across different asset classes, sectors, and regions, you reduce the impact of poor performance from any single investment. Regular reviews and balancing your portfolio can also help manage risk.

What is an ISA, and how can it benefit me?

An Individual Savings Account (ISA) allows you to save or invest in a tax efficient account', up to the annual limit set by the government. There are different types of ISAs, including Cash ISAs, Stocks and Shares ISAs, and Lifetime ISAs, each offering unique benefits.

How much should I save or invest each month?

The amount depends on your income, expenses, and financial goals. A general rule is to save at least 20% of your income if possible, allocating some to an emergency fund and the rest toward long-term investments/savings.

What is compound interest, and how does it work?

Compound interest is the interest earned on both your initial principal and the accumulated interest from previous periods. This effect can significantly boost the value of your investments over time.

Are investments guaranteed to grow?

No, investments are not guaranteed to grow, and their value can fluctuate. While some investments historically provide long-term growth, there is always a risk of loss. It's important to invest according to your risk tolerance and financial goals.

Why should I review my savings and investments regularly?

Regular reviews help ensure your savings and investments remain aligned with your financial goals, risk tolerance, and any changes in your circumstances or market conditions. It also allows for adjustments with the aim of optimising performance and reduce unnecessary fees.

Do I need a financial adviser for my savings and investments?

While it’s possible to manage your own savings and investments, a financial adviser can provide expert guidance tailored to your specific goals and risk tolerance. Advisers help with creating a diversified investment strategy, tax planning, and navigating complex financial products, which can ultimately save you time, reduce risk, and potentially improve returns.

Book Your Free Consultation with a Local Financial Adviser Near You

We offer complimentary consultations with a local financial adviser, including a free review of your pensions and investments, along with our expert recommendations. It's free, no-obligation, no pressure. Fees only apply if you choose to proceed with our advisers recommendations, we will make you aware of any associated costs from the start.
Savings & Investment Page

Tax treatment varies according to individual circumstances and is subject to change.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited. March 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
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