Our Approach

Investment Planning

"What do you want to achieve from your investments?"

You may find your investment goals change if you get married, have children, or start a business, so it could be an idea to switch your investments into different funds. And as you approach retirement, you may want to move your money gradually into investments that offer more security.

There are different types of risk involved with investing, so it's important to find out what they are and think about how much risk you're willing to take. It all depends on your attitude to risk and what you are trying to achieve with your investments.

Things to think about before investing

How much can you afford to invest?
How long can you afford to be without the money you've invested (most investment products
should be held for at least five years)?
What do you want your investment to provide – capital growth (your original investment
to increase), income or both?
How much risk and what sort of risk are you prepared to take?
Do you want to share costs and risks with other investors (by using a pooled investment,
for example)?
If you decide to invest using pooled investments, consider which type would be most suitable for you.
The main differences between pooled investments are the way they pay tax and the risks
they involve (especially investment trusts and with-profit funds).
What are the tax benefit implications, what tax will you pay and can you reduce it?

What am I investing for?

You may be looking for an investment to provide money for a specific purpose in the future. Alternatively, you might want an investment to provide extra income. So having decided that you are in a position to invest, the next thing to think about is: 'What am I investing for?' Your answer will help you to choose the most suitable type of investment for you. If you have a particular goal, you will need to think about how much you can afford and how long it might take you to achieve your goal... Click Here to read further and to download 'A Guide to Investment Planning'.

Contact Us: Achieving the right mix of assets should be your first decision and it is a good idea to diversify the types of fund you invest in. No matter what your investment goals are and how much you wish to invest, if you would like us to review your particular situation, please contact us.

The value of investments and income from them may go down. You may not get back the original amount invested.

Tax treatment is based on individual circumstances and may be subject to change in the future.

Investing for Income

"Selecting the right type of investments
for your future."



"One of the most tax-efficient
savings vehicles available."


Get in touch

CFS Independent Financial Advisers Limited
Lower Blyth Suite, Kirkley Hall, Ponteland, Newcastle upon Tyne, NE20 0AQ

Telephone: 01661 821110
Fax: 01661 821120
Email: enquiries@cfs-ifa.co.uk



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