Zak Giannini

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%.

You work hard for your money. Your money should work just as hard for you. I help people take control of their finances and make confident, well-informed decisions that align with the life they’re building. My work covers the full picture from retirement planning and investing, to protecting your income and legacy. But no matter the topic, it always starts the same way: understanding your priorities, your goals, and what really matters to you.

Before moving into financial planning, I played rugby at a high level coming through the academy at Scarlets, representing Wales U20, and spending time with Bath Rugby while studying at the University of Bath. That journey instilled in me the discipline, drive, and work ethic I now bring to my professional life. Off the field, I’ve also been closely involved in helping run our family businesses in Wales, which gave me first hand experience of the pressures and priorities that come with managing money and making decisions that really have a positive impact on family.

Outside of work, I love all things sport whether it's watching or playing any sport will do it for me . I also love meeting new people from all walks of life and catching up with friends whenever I can. Whether it's a dinner, a casual coffee, or a business event I value good company and great conversation.