Eddy Carter-Smith

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

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. May 2025.

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

I have experience in all core advice areas, with a specialism in wealth management (investment and pensions) and estate/wealth preservation. I have achieved Certified Financial Planning status, and additionally, I have been accepted as a member of the London Institute of Banking and Finance.

I have worked across all client areas and specialize in affluent and high net worth private clients. I have built a solid network of clients by providing advice and high-quality service to local people, business owners, clients in the mid-stage of working life, and those approaching retirement who want to maximize their standard of living.

Since moving to the UK in January 2017, I have worked with a network of specially selected experts to support all your advice needs. I have been married since 1986 and have three children. My keen interests include exploring the world and being an avid amateur chef and braai master. I also have a passion for reading and researching all subject matters, particularly Eschatology.