Kashef Reid-Bashir

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%.

I take the time to get to know my clients and appreciate that they may not have the time to devote to analysing their financial position to ensure their investments are tax efficient and produce the desired returns with an appropriate level of risk. I am also acutely aware that clients may not necessarily put adequate levels of protection in place for themselves and their families to minimise the impact of any adverse events life may throw at them.

I help my individual or organisational clients put plans in place which:

• Are directly aligned with their objectives
• Help achieve financial independence as rapidly as possible
• Avoid any unnecessary inheritance and personal tax exposures
• Ensure sufficient resources are available to do what they want when they stop working
• Preserve wealth over the long term using appropriate estate planning strategies.

I offer an initial financial well-being check at my own expense where I run through my potential clients' financial needs and expectations. In terms of background, I am a commercially astute, highly accomplished, finance professional with consulting and corporate experience in organisations including, Reuters (now Refinative), FTSE (now FTSE Russell) and Booz Allen Hamilton. I am Investment Advice Diploma Qualified (CISI, level 4), a Qualified accountant (ACMA) and MBA (Cranfield School of Management). On a personal level, I play tennis at club level and enjoy spending time with family.