Investment advisers can help you overhaul your finances and investment portfolios, allowing you to increase your capital, while protecting your current assets. Learning about their role can be tricky, but it doesn’t need to be. Let’s look at the role of an investment adviser and the services they offer now.
What Does An Investment Adviser Do?
An investment adviser will make investment recommendations or perform security analysis to help you decide how to handle your current investments and assets. An investment adviser will work with individuals or companies, helping them to protect their assets while adding to their wealth and investments.
Investment advisers will offer advice, working to understand your portfolio and investment goals to help you achieve your goals. They will create an investing strategy that matches your needs while considering your risk tolerance and style. An investment adviser will help to manage your portfolio, financial planning, debt management, and budget assistance. Click here to learn more from an investment advisor about their role and what they can do for you.
What Services Does An Investment Adviser Provide?
Investment advisers provide plenty of services, helping you to grow and manage your portfolio. Their services can vary, but they usually include the following:
- Investment advice
- Financial planning
- Debt management
- Budget assistance
- Portfolio management
When it comes to managing your portfolio, an investment adviser will usually provide you with options to choose from. We have outlined the common portfolio options available to see what kind of investment opportunities await you.
Defensive Portfolio
A defensive portfolio is designed to protect your capital and stability instead of high returns. The goal here is to focus on assets that aren’t as volatile, allowing you to manage your portfolio without worrying about the impacts of the market changing. A defensive portfolio is 100% defensive.
Conservative Portfolio
A conservative portfolio allows you to prevent your capital while also exploring potential growth opportunities. A conservative portfolio focuses more on defence, but you get a moderate level of risk when exploring new opportunities. The split is usually 80% defensive and 20% growth.
Diversified Income Portfolio
Diversified income portfolios offer a balanced approach to long-term wealth accumulation. Your investments are split down the middle, with 50% focused on defensive assets and 50% on growth assets. The split allows you to maximise growth opportunities, while protecting your portfolio from any downturns, ensuring you don’t lose too much money.
Moderate Portfolio
Moderate portfolios are designed to help you grow your assets without too much risk. These tend to be split with 40% on defensive assets and 60% on growth assets. You get the potential of a higher return, but there are some risks of losing money associated with any growth portfolio.
A moderate portfolio is the best option for people who want to explore their growth options, but want some protection in case the market takes a downward turn.
Growth Portfolio
A growth portfolio is focused on helping you to grow your investments and portfolio. An investment advisor will help you grow part of your portfolio, increasing your investments. They will reserve part of your investments for defensive purposes, ensuring that you have stability while growing your portfolio.
Typically, this looks like a split of:
- 80% growth
- 20% defensive
High Growth Portfolio
High growth portfolios focus solely on increasing your portfolios worth. These are a good choice for anyone looking to increase their capital in the long term and aren’t too worried about the risk levels. The more you focus on growth, the higher levels of risks there are, but you could reap the rewards of this risk.
With a high-growth portfolio, investment advisors aim for 100% growth.
Do I Need An Investment Adviser?
If you have investments or are considering making invesments to bolster your finances, it’s worth speaking to an investment adviser. Deciding if you need an investment adviser can be tricky, but at any point when you need guidance over your investments, an adviser will prove essential. The cost can put some off, but it can be worth it to see your investments grow.
It’s also worth speaking to an investment adviser if you are new to the world of investments too. It can be tricky to understand investments, growth assets, and how to manage your investment successfully, but an adviser can help you navigate this new world, explain anything you are unsure of, and provide the assistance you need.
Find Your Investment Adviser Today
An investment adviser could be the right choice for you and your assets. With their skilled knowledge and experience you could see your finances change for the better in no time.
