Investments

Obsidian can help you make informed decisions about the investment choices to ensure you have the right investments to meet your objectives.

Your input is critical – you need to give some thought to what your objectives are. This is an area in which compromise and self-understanding are essential for assessing your life priorities, goals and attitude towards risk for return. Any number of changing circumstances could cause your wealth to diminish, some inevitable and some unpredictable – new taxes and legislation, volatile markets, inflation, and changes in your personal life. Structuring your wealth in a way that minimises the impact of these changes is essential.

Some people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise. Sensible investment planning revolves around understanding what your investment aims are. You may be willing to accept a degree of short-term risk with an investment that is made for later in life, such as those intended to fund your retirement. But short-term safety should be your priority if you're likely to need the full amount in the near future, for a deposit on a house for example.

Obsidian will help you develop a strategy that is appropriate for your needs, using investments that suit your attitude to risk and tax position.

The value of investments and the income derived from them may go down as well as up, and you may not get back the amount originally invested.