Investment Advice GlasgowOur Process

Ensuring adequate money is available for immediate daily needs as well as a reserve being set in place are just a couple of fundamental principles that are prerequisites to investing any sum of money.

Once the above is established and any planned expenditure, the balance can be calculated, which can be used for investment.

Taking into account the client’s attitude to risk, Vance Financial Management is then ready to discuss the most appropriate product, taking into consideration taxation as well as the client’s income goals.

Why Invest?

Although having deposits of cash for emergencies is useful, inflation erodes the value of that cash over time, meaning it is not as safe as many believe. As well as this, cash savings accounts often provide poor value for money in comparison to other options.

Investments offer the opportunity to make your money work for you, from investing in FTSE100 companies to collective investment funds such as OEICs. There are a huge range of options out there, so there’s sure to be something that matches your goals and desired level of risk, and we’ll help you find it.

Finding the Right Investment Strategy For You

Investments take many forms, but most investors choose from four main types:

  • Cash savings with a bank or building society
  • Fixed interest securities – loaning your money to a company or government.
  • Shares – buying a stake in a business
  • Property – investing in buildings, either commercial or residential

Other, more high-risk, options include:

  • Investing in commodities such as oil or gold
  • Foreign currency investment
  • Contracts for difference – betting on shares gaining or losing value
  • Investing in collectables such as art or antiques

Which investment is right for you depends on your attitude towards risk, what your goals are and what your current finances are.

Investment Returns

The type of investment you make will decide how you receive your returns. This is an important consideration as there are tax implications. Your investment returns can be paid in a number of ways, including interest, dividends, rent, and capital gains.

Spreading Investment Risk

Understanding the risks you’re taking when investing is extremely important, deciding how much risk you’re willing to take from the outset is vital. Our independent financial advisors will help you to understand the risk involved in each investment opportunity and assist you in spreading the risk if necessary.

Diversification is an important part of risk management, involving putting your money into a variety of different investments, so if one doesn’t work out as you initially planned, you’ve still got others.

Investment Options

ISAs

A great way to save money without paying tax on the interest earned. Under the current regulations you can save up to £20,000 in cash or stocks and shares ISAs every year. An ISA is not a pension, but it is a useful supplement to your pension for income during retirement, especially at times when you wish to draw down capital quicker than a pension permits.

Investment Bonds (Onshore/Offshore)

Investment bonds provide medium to long-term growth on your investment, with some having a fixed term and others running indefinitely. You invest your money in a variety of funds that are looked after by professional investment managers, and your return when you cash your investment bonds in depends on how they have performed.

OEICs

OEICs (Open Ended Investment Company) are collective investment opportunities that pool your money with other investors are managed by professionals who invest in a range of stocks, shares and other assets. Pooling money with other investors gives the fund manager greater buying power, allowing them to make larger and more diverse investments than you could by yourself.

*Investment values may fall as well as rise and unit prices are not guaranteed.

Case Studies

Kind Words from our Clients

David has been financial adviser to my wife and myself for a number of years now.
I have always been impressed by his market knowledge , and desire to find solutions for retirement/investments that are best suited to our personal situation.
In addition,David helped to progress a critical illness claim after a fall at home 5 years ago ,resulting in premature retirement, when the company concerned was less than helpful initially.
His visits are always at a mutually suitable time and date , and David is a friendly and welcome visitor.
His investment suggestions and portfolio changes changes have proven to be good choices to date, and we look forward to David’s advice for years to come..

Dr A M

Doctor
David and his team have been helping me manage my finances for many years now through my working years and now in retirement. I’ve been confident that he has my interests at the forefront of everything he recommends and am happy to recommend him to anyone who needs sound advice.

Dr M G

Doctor
David Vance has been our Financial Adviser since 2013. Over the years he has given us sound advice on our Investments. He has always taken into consideration our views on Risk Factors with positive results.
We feel that we can contact David and his office staff at anytime.

W. & M. R

At our first meeting with David, more than five years ago, he quickly grasped the key issues in our financial situation and provided advice and guidance which has proved to be a very positive foundation for managing transition to retirement.
When circumstances required prioritisation of attention and energy to other areas of our lives, it was reassuring to know he was continuing to monitor and review. He quickly responded to any questions we had and promptly dealt with matters which required attention.
The prospect of challenges ahead is less daunting, knowing that we have his continued support and interest in ensuring positive outcomes in our financial planning.

Dr B. B.

Retired Psychologist
David always gives me exceptional advice, always taking care to make sure he understands my personal requirements. He visits my home at a time convenient to me and on his last visit, he potentially saved me thousands of pounds by working out that I could pay off my mortgage and invest the money saved in a more appropriate pension fund. Win, win! I am a single parent and don’t earn a huge salary. Financial advisers are for everyone though and I am delighted with the advice I have received. See you next year David.

Miss A. M.

HR Manager
Having used Vance Financial Management for several years now I would have no reservations in recommending David and his team to give sound advice on any future investments that any of my family or friends would like to make.

Mrs A.G.

Retired
I have known David Vance for approximately 14 years. Over that period, he has handled my Pensions and Investments. His knowledge and financial advice have stood me in good stead.
I would recommend him to anyone requiring impartial financial advice.

Mr W. O.

Business Owner
We have been clients of David Vance for over 5 yrs now and of all the financial advisers we have been connected with we have found him to be very knowledgeable about the current market and investments that are available. At no time does he put us under any pressure to make a decision but his experience has been invaluable to us and what we want to achieve not only for ourselves but our family. We would highly recommend David and his Company as a Financial Adviser.

Mr J. S.

Retired
I was introduced to David Vance, the Director of Vance Financial Management – just prior to the retiral of Jim Kane – in 2013.
I have always found David to be very professional, knowledgeable and customer focused.
My association with David has become a working relationship where I am happy to share all my private and personal information, in return for the best financial advice available. His advice to date has proved to be sound and I am very pleased with the monies that my investments have accrued over this period.
Dealing with David also makes me relaxed, knowing that he understands my lifestyle, he provides me with individual attention by considering the fine details of my financial position, he considers my future requirements and he always emphasises the possible attached risks.
Honesty and integrity are important factors to me and Vance Financial Management are a company that I highly recommend.

Mr A. W.

Retired
David is helping me reach my financial goals. His knowledge of pensions and other financial products is immense. The value of my pension now is way beyond my expectations – thanks to David’s advice.

Mr M. S.

Retired

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