Local Life - Wigan - January 2021

42
New Year
Resolutions!
Firstly, here’s to a happy and healthy 2021 to all Local Life
readers. Let’s hope that 2020 quickly becomes a distant
memory as the vaccine roll-out gathers momentum and life
starts to get back to some form of normality.
I’m writing this piece well before Christmas but I think it’s
likely that the usual resolutions don’t stack up too well in
2021. Cutting back on visiting restaurants and the pub
after spending so long away from them isn’t that practical
and pledging to spend more time in the gym is all very
well, providing it’s actually open.
Let’s face it, we’re all desperate to get out and live a little
so many of our usual resolutions will fall by the wayside
very quickly, if they haven’t already done so.
One resolution that shouldn’t drop off your radar though
is the resolve to have an investment/pension health
check, which could bring many financial benefits. With
the uncertainty around the pandemic abating, and
the US election behind us, and Brexit appearing to be
approaching the chequered flag, we at Prosper believe
that there could well be some very interesting investment
opportunities in 2021.
Why do we always see increased enquiries in January
from Local Life readers?
Perhaps it is all the time off over Christmas or the
completion of tax returns, but whatever the trigger,
reviewing and revamping your portfolio now could make
a significant difference to your ultimate value over the
longer term. Apart from weeding out the poor performing
funds and checking you’re still on track financially, you
might find your finances could be arranged more taxefficiently.
I was recently talking to a new client who was having a
moan about the amount of paperwork he was receiving
from all his different investments. He didn’t have a clue
what his valuations were and didn’t know how well his
investments had been performing. I asked him what his
“ideal” would feel and look like.
He wanted to;
• Retake full control of his investments rather than
getting swamped with paperwork and information
• Have ‘peace of mind’ knowing that an expert was also
keeping an eye on his investments
• Invest in a wide choice of leading companies without
being tied into a single company/fund
• Just deal with ‘one firm’ for all of his different
investments rather than having to speak to different
companies for his various funds
It probably does not come as a great surprise to learn that
we have the solution to all these issues and much, much
more. Our Wealth Management Service delivers on all the
points above.
We are following COVID-19 guidelines in our offices and we
can also offer zoom and telephone meetings for clients that
would prefer. Alternatively visit our website www.prosperifa.co.uk
or email us to request a brochure.
If you invest in the stock market the value of your investments
can go down as well as up and you may not get back the full
amount invested.
David Barton
APFS Cert CII (MP)
Chief Executive Officer
If you would like more
information, please feel free to
get in touch on 01257 423800.
The cost of the initial consultation is met by us and
you are under no obligation to take things further.
Remember all investments can fall as well as rise in value so investors could get back less than they invest.