Jagdeep Singh

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%.

My areas of expertise encompass holistic financial planning, which involves creating a financial strategy that integrates all facets of your financial life. Additionally, I specialise in pension and retirement planning to ensure you are well-prepared for a comfortable future, as well as investment planning aimed at growing and preserving your wealth. Furthermore, I provide advice on inheritance tax and estate planning, thereby ensuring your family’s financial stability across generations. I am also adept at offering protection services to secure your income and safeguard your loved ones.

I am committed to assisting clients in achieving their financial goals through effective planning strategies. This process begins with an 'initial meet & greet' where we will become acquainted, enabling me to understand how best to support you moving forward. We then conduct a comprehensive financial review to examine all aspects of your personal finances, ensuring I have the necessary information to create a tailored, targeted, and tax-efficient financial plan that aligns with your objectives.

Furthermore, we will continually review your plan to ensure it remains effective, adjusting together as needed when circumstances change. My approach is grounded in establishing strong, long-term relationships by thoroughly understanding my clients' needs and priorities. I strive to ensure that any financial planning strategies continue to align with your objectives as your circumstances evolve.

Beyond my professional obligations, I allocate my leisure time to spending quality moments with my wife and two young daughters and engaging in enriching travel experiences.