Adrian Ridley

When is the right time to invest?

There’s always a degree of uncertainty when it comes to investing, so it’s natural for some people to feel nervous about it.

When the news is reporting stock market volatility, it’s understandable that some people might feel more cautious about investing. But including investments in your long-term financial plan is a smart way to give your money the best chance to grow.

Keeping money in cash might feel like a safe option, and having some money easily available is a sensible decision. But too much cash could end up costing you more because of inflation’s ability to eat away at the value of your savings. For example, when £10,000 is invested it can grow by 78% over 30 years, but if it was kept in a current account its value could actually reduce by 59%*.

There are lots of options when it comes to investing, and I’m here to guide you through them. I can help you decide things like which risk level is right for you, what types of investments to use to maximise your tax efficiency, and how to create an investment plan tailored to your circumstances and goals. I can also show you how different investment approaches could impact your finances over the long term.

If you’re thinking about how investing today can help create the life you want in the future, let’s talk about how I can support and guide you through the process.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change

*Based on an annual average investment return of 5% and inflation at 3%.

With over 30 years of experience in the financial services industry, I have spent a lot of time getting to know my clients and helping them over the years, which is the most rewarding part of being a Financial Adviser. I specialise in Wealth and Pension Planning. My approach is very simple - know your client and advise as if it were your family or friends. I have on occasion, mentored over the years and as a mature adviser I find it far easier to focus on the correct pathway for the client and not be persuaded by any other influences. I aim to provide clear, practical and good value advice and be there for my clients along the journey.

I am married with 3 teenagers and a dog who keep me busy. I am also the Vice Chairman of the local football club and enjoy being a part of the grassroots community and helping run the club with my fellow committee members.