Keep 3 to 6 months of income in cash for short-term needs, and invest the rest to grow your wealth. Regular investing reduces timing risk and can pay off if you stay invested through downturns. If you already have cash saved, we build a portfolio around your risk level, currency choice and time frame, whether you want growth, income or both.
Delaying retirement planning can have serious consequences. Waiting just five years could mean you need to save twice as much to reach the same goal. The same logic applies to college fees. If you begin saving when your child is born, it will cost less in the long run. With education costs rising fast, early planning is essential.
Buying property to live in or as an investment can be complex, with many factors to consider. To avoid costly mistakes, rely on our experience and reach out for guidance. If you’re looking at buy to let in the UK, we can connect you with trusted specialists to help secure a competitive mortgage.
Financial investments bear risk and their values may fall as well as rise. Past performance is no guarantee to future returns and you may not get back the amount you invested. If you seek to invest in risk-based assets, you should adopt a long-term horizon of 5-10 years or more.
AP Advisers is able to certify documents for certain financial institutions. Contact us to see if we can help.
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