Which assets, in what proportions and in which markets? Which products and which funds?
A visit to the internet will give you a wealth of information and access to different services. Sometimes too much information can lead to indecision. Your future and perhaps your family’s future could be invested in many different ways. Understanding how much risk you are prepared to take with your investments is really important.
Having a holistic approach to your financial planning means doing more than just choosing which fund manager and fund to use for this year’s ISA allowance.
It means looking at everything you have and considering all your goals and ambitions. Understanding them and then looking at meeting them. The right assets should be invested in the right products, where possible taking advantage of tax incentives, but also understanding the limitations of the different investments.