Financial & Accountancy

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There has been a flurry of reports lately trying to put a £ value on the value of advice. Most of them focus on how much more growth an advised investor can expect compared to a non-advised investor. The highly respected Russell Investment team came up with one answer. 3.24%. This is the additional investment growth an advised investor could expect in 2016. That additional growth comes from the effects of rebalancing, guided investor behaviour (into multi asset investments, for example), and correct allocation into the most appropriate tax wrappers. Another study – this time from International Longevity Centre and Royal London revealed that the advised are over £40,000 better off than the non-advised.

The reality is, of course, much more complex than that. The more well-off you are, the more likely you are to benefit from advice. Our own internal research shows that the advice benefit can range from a relatively modest additional annual growth from a sensible investment strategy and rebalancing, to more than an additional 100% return through tax advantaged investments and reorganisation of investment vehicles.

The sad reality is that the unintended consequence of regulatory intervention means that those who could most benefit from advice – the aspiring affluent – can least afford it. We intend to do something about that.

By Julie Wilson | 01904 661140 |
Authorised and regulated by the Financial Conduct Authority, Authorisation Number 212972.

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