Ronald Wares

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%.

Once upon a time, I use to work in property and in sales. However after nearly 2 years, I realised I wanted to pursue something more fulfilling that allowed me to help people. Whether it be families, businesses or working professionals, I wanted to offer a service in which I could offer help, which I wasn't getting. After talking with my mentors, I realised I wanted to be a financial planner.

I understand the need to prepare for every situation and the desire to put your loved ones, your business or yourself in a better position. Which gives me the sense of fulfilment with what I do. At times financial planning can seem stressful and complicated, which is why I try to explain things as if I am talking to myself when I first started. So that my clients can be informed and feel confident in the decisions that they are making because of how well they understand it.

This extends beyond work, as I aim to help people in my personal time volunteering for things such as be staff at a youth group or leading a men's group. As for myself, I enjoy quiet hobbies like reading and journalling, sometimes I play the guitar and sing to myself. One thing I plan to do one day is write a book.