Yitz Sandler

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 professional life began as a rabbi working in the charity sector for the Jewish community, as a teacher and fundraiser, and then went into business in the financial services sector to better support my growing family.

After many successful years as a protection (life insurance) adviser, I qualified through the CII with a Diploma in Financial Planning, initially as an independent adviser but ultimately joined Quilter Financial Advisers on the merit of the outstanding platform that they provide for client support, providing the widest breadth of resources, and specialist expertise in all fields that I would never have been able to provide in my previous IFA role.

As a Quilter adviser, I am more able to focus my attention on client needs in the most personal way, confident that the solutions provided have been fully researched and analysed by experts in each particular field. Through the Quilter platform, I can provide my clients with easy access to the fund managers and analysts that give all the tools necessary to give best client experience in this outstanding business.

If not in the office, you’ll find me out on my road bike. Otherwise I’ll be tucked in at home enjoying the company of my wife, my five kids and growing number of grandchildren.