Richard Love

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 am a financial planner from Lingfield on the Surrey/Sussex border. I am here to guide you and your family through the sometimes complex world of financial planning. I start with a simple premise. My job is to get your money working for you in the best and most tax efficient way for you to see your money achieving whatever financial goals you have set.

I have had a varied career, from working in financial services to running a commercial investigation business to owning my own Italian restaurant. These experiences help me really understand all sorts of different people and particularly their goals and motivations. I firmly believe that with financial planning we start with the end result we want and then work back. We set things up properly and outline the path that will get us there. We review, adapt and protect as we go along and make those goals happen.

When I am not working, I love to travel and have visited numerous countries around the world; everything from the wilds of Chilean Patagonia to the rainforests of Malaysia. I also enjoy all sport with a particular interest in horse racing. At home I like a decent glass of red wine and spending time with my family, friends and 2 rescue dogs, Patti from Serbia and Munch from Romania.