Manit Prasad

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 journey in financial services began over two decades ago and has taken me from banking and investment management roles in Sydney and London to becoming a fully qualified Financial Adviser with Quilter Financial Advisers. That breadth of experience has given me a deep understanding of the financial world and the many ways it can both empower and overwhelm people.

I’m passionate about helping clients gain clarity, structure, and peace of mind around their finances. Whether it's helping a family plan for their future, supporting a business owner through key financial decisions, or guiding a professional towards a more tax-efficient retirement, I work collaboratively with each client to build a tailored plan that reflects their goals and values. My approach is friendly and pragmatic. I believe financial advice should be personal and accessible - not filled with jargon and that long-term planning is most effective when built on trust and understanding.

I offer advice across all areas of financial planning, including investments, retirement, protection, estate planning, and mortgages. I hold a Level 4 Diploma in Regulated Financial Planning, and the Certificate in Mortgage Advice, from the Chartered Insurance Institute. Further to this I hold a Bachelor of Economics Degree from Macquarie University in Sydney and the Investment Management Certificate (IMC).

I’m based in North West London, where I live with my wife and two children. Outside of work, I enjoy keeping active, which helps trying to keep up my two rapidly growing children, and contributing to our local primary school as a governor