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EL Magazine MAR-APR 2018 PROOF SINGLE 13.2.18

Essentially Local offers a directory of local businesses and services which encourages the community around Milton Keynes, Stony Stratford and Wolverton to shop local. You'll find articles, useful information, reader offers and a competition. There is something for every age group. Read on to find out more.

Carl Roberts How do you

Carl Roberts How do you know if it’s the right time to invest? Investing is like buying anything - you want a good deal and to buy when the price is low. However, it’s impossible to predict accurately when prices will be low or high. Consider these five questions to decide whether you should invest or remain invested: 1) What’s the reason for your investment? 2) Have your circumstances changed? 3) Will selling your investment mean a large tax bill? 4) What else would you do with the money? For your own personal Financial Director to run your family finances call: Carl Roberts FPFS, Chartered Financial Planner carl@rtsfinancialplanning.co.uk rtsfinancialplanning.co.uk 01908 592544 07702 965275 RTS Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales. Registration number 10619163. 21 Fosters Lane, Bradwell, Milton Keynes, MK13 9HZ 5) Are you spending too much time watching the news? Investing should always be for the long term (20yrs+) and your money will always go up and down. Providing your investment portfolio is aligned to your objectives, sit back, relax, ignore the news and let your investment do its thing. Giving your time is worth more than your money It’s now easier than ever to make charitable donations - direct debits or regular gifts through Just Giving pages. Sometimes though you can’t see how your money has helped. Groups and charities in Milton Keynes and surrounding areas may prefer a small amount of time rather than your money. I volunteer to support Young Enterprise and Worktree, these groups work with school children to help them understand adulthood and the world of work. It’s rewarding chatting, answering questions and seeing the children’s confidence develop as they discover their right career path. If you have some spare time volunteer and share your life experience - give a gift that money can’t buy. Risk warning: Stock market linked investments and any income from them, can fall as well as rise and is not guaranteed. Any figures quoted are for illustrative purposes and should not be taken as a forecast or guarantee. Past performance should not be seen as an indication of future returns and clients may get back less than they have invested. Make a positive difference with your investments If you are passionate about helping to do good in the world and at the same time like to see your money grow, consider ethical investments. It’s similar to any other investments, except you either invest in companies that are making a positive difference in the world or withhold your money from companies that aren’t. There are now over 80 specialist investment funds that invest your money in areas such as renewable energy, curing diseases and recycling. Ethical investing costs no more than traditional investing and when it comes to performance, ethical companies are likely to be more advanced in terms of technology and work in areas that are forward thinking. As with any investment there is risk; therefore diversify and build a portfolio of ethical investments appropriate to the level of risk you are willing and able to take. 28 Please mention Essentially Local when responding to advertisers

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