Sebastian McCallum

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%.

Receiving financial advice should result in peace of mind, knowing that your financial goals are understood and a comprehensive plan is in place to meet these objectives. As your financial adviser, I am committed to being a constant presence in your life, ready to support and adapt to any changes in your circumstances.

My interest in financial advice began during my university years, driven by the desire to help people achieve their financial aspirations. Whether it's ensuring a comfortable retirement or supporting a child's education, I find this career both fulfilling and dynamic. After gaining valuable experience in a private client tax team, I decided to pursue my passion and qualified as a Financial Adviser. I am now ready to help clients achieve their financial goals, providing them with the peace of mind that their finances are in order and their plans are on track.

In my spare time, I enjoy staying active by playing amateur football, golf, and various other sports. I also have a passion for reading, with George Orwell's "Down and Out in Paris and London" being one of my favourites.