Greaves Wealth Management

Greaves Wealth Management Financial planning based on clients achieving their short, medium and long term goals.

no. 6 - Disciplined researchIn the face of short-term volatility, disciplined research and decision making are more im...
26/09/2022

no. 6 - Disciplined research

In the face of short-term volatility, disciplined research and decision making are more important than ever.

Given the recent market volatility, it might be tempting to panic and make short-term decisions that, ultimately, may mean you lose out over the long-term.

That's why disciplined research and decision-making are so important, and why they form part of our core investment beliefs.

This discipline is absolutely key in cutting through the noise and absorbing the information we need to make better long-term decisions.

It also means embracing the need to evolve with the investment landscape that is everchanging and ever evolving, and continue to provide meaningful solutions to our client's problems and investment objectives.



The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

https://www.sjp.co.uk/news/disciplined-research-and-decision-making-in-the-face-of-market-volatility

no. 3 - Diversification Diversifying is important in reducing investment risks without necessarily sacrificing long-te...
12/09/2022

no. 3 - Diversification

Diversifying is important in reducing investment risks without necessarily sacrificing long-term returns.

Investing in a variety of different asset types and classes can help reduce volatility.

We look to diversify at three levels, from stock selection to multi-manager funds, to combining different funds.



The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

https://www.sjp.co.uk/news/diversification-as-an-investment-belief-not-putting-all-your-eggs-in-one-financial-basket

What is of value to one person may not be to another, for example, some people simply value growth on money...Whereas ot...
09/09/2022

What is of value to one person may not be to another, for example, some people simply value growth on money...

Whereas others value the fact they have their full financial affairs in order, meaning they worry less and have more time to do things they like to do.

To make a realistic financial plan that includes what you value most, you need real financial goals. This may be your net-worth figure being as high as it can possibly be, or it might simply be knowing you have enough to see you through your retirement years.

Have a think about what you'd value most when making a financial plan and let us know in the comments ⬇

no. 2 - Asset allocation.Asset allocation is the main driver of long-term performance and is key to helping you achiev...
07/09/2022

no. 2 - Asset allocation.

Asset allocation is the main driver of long-term performance and is key to helping you achieve your goals and objectives.

Unexpected events can cause short-term volatility but asset allocation can help smooth returns over the longer-term.

At St. James's Place, we use multi-manager funds with investments across the core asset classes to help you achieve the return you are seeking while providing diversification and managing risk.



The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

https://www.sjp.co.uk/news/the-importance-of-asset-allocation-as-an-investment-belief

Why take advice of a financial planner…“Financial planning is like navigation. If you know where you are and where you w...
05/09/2022

Why take advice of a financial planner…

“Financial planning is like navigation. If you know where you are and where you want to go, navigation isn’t such a great problem. It’s when you don’t know the two points that it’s difficult” - Venita Van Caspel

If you were going on a car journey, you’d probably know where you are going, how you want to get there and ensure there is sufficient fuel in the tank - your financial planning should be the same.

We can help you plan your route and fill up the tank ready for the journey. If together we find road closures along the way, we re-route and get you back on track.

This is called goals-based financial planning, which means taking the time to understand where you want to be and help you get there.

Welcome to the series, as part of being in partnership with St. James’s Place. The first of our investment beliefs for...
02/09/2022

Welcome to the series, as part of being in partnership with St. James’s Place.

The first of our investment beliefs formalises what is at the heart of our Investment Committee: achieving the right outcomes for our clients. We take our responsibilities very seriously and understand how important it is for you to achieve your goals and objectives.

Different people will have different requirements, and by focusing on the whole outcome of their journey, this belief takes a broad approach. So, this might include wanting to invest responsibly, requiring income for an unknown period of time during retirement, wanting to leave something behind for a loved one, just wanting capital to grow, and so on.

By placing outcomes at the core of our investment beliefs, it means decision-making is seen through the lens of ‘is this aligned to achieving the best possible outcomes?’



The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

https://www.sjp.co.uk/news/what-are-our-investment-beliefs

is becoming a crucial part of shaping a sustainable future."𝑰𝒕'𝒔 𝒄𝒓𝒂𝒛𝒚 𝒕𝒉𝒂𝒕 𝒐𝒖𝒓 𝒃𝒂𝒏𝒌𝒔 𝒂𝒏𝒅 𝒐𝒖𝒓 𝒑𝒆𝒏𝒔𝒊𝒐𝒏𝒔 𝒂𝒓𝒆 𝒊𝒏𝒗𝒆𝒔𝒕𝒊𝒏𝒈 𝒊...
31/08/2022

is becoming a crucial part of shaping a sustainable future.

"𝑰𝒕'𝒔 𝒄𝒓𝒂𝒛𝒚 𝒕𝒉𝒂𝒕 𝒐𝒖𝒓 𝒃𝒂𝒏𝒌𝒔 𝒂𝒏𝒅 𝒐𝒖𝒓 𝒑𝒆𝒏𝒔𝒊𝒐𝒏𝒔 𝒂𝒓𝒆 𝒊𝒏𝒗𝒆𝒔𝒕𝒊𝒏𝒈 𝒊𝒏 𝒇𝒐𝒔𝒔𝒊𝒍 𝒇𝒖𝒆𝒍, 𝒘𝒉𝒆𝒏 𝒕𝒉𝒆𝒔𝒆 𝒂𝒓𝒆 𝒕𝒉𝒆 𝒗𝒆𝒓𝒚 𝒕𝒉𝒊𝒏𝒈𝒔 𝒕𝒉𝒂𝒕 𝒂𝒓𝒆 𝒋𝒆𝒐𝒑𝒂𝒓𝒅𝒊𝒔𝒊𝒏𝒈 𝒕𝒉𝒆 𝒇𝒖𝒕𝒖𝒓𝒆 𝒕𝒉𝒂𝒕 𝒘𝒆 𝒂𝒓𝒆 𝒔𝒂𝒗𝒊𝒏𝒈 𝒇𝒐𝒓"
is the statement recently given to us by Sir David Attenborough.

His words only strengthen the view that money needs to both earn a return and be a force for good.

Of recent, companies have started to wake up to the idea that they may have a better chance of long-term success and profitability if they adopt sustainable business practices.

It is evident that our savings don’t have to jeopardise the future. Our investments can shape a future that protects the world we inherited, rather than endanger it.

Read more about how Responsible investing is built into our Investment Management Approach - https://www.sjp.co.uk/responsible-investing

Don't necessarily always just think about the money, think about what the money is going to be the catalyst for.- Time w...
26/08/2022

Don't necessarily always just think about the money, think about what the money is going to be the catalyst for.

- Time with the family 👨‍👩‍👧‍👦

- Retire early 🏖

- Gifting for your children's first home 🏡

- Making the world a better place to live ♻️

Your goals and aspirations are unique to you. Let them be your driver.

Do you know how much of an effect inflation is having on your money held in cash?Staggering when you see it in numbers, ...
25/08/2022

Do you know how much of an effect inflation is having on your money held in cash?

Staggering when you see it in numbers, now think about how much the current inflation rates are rising.

What are you doing to combat the rising rates of inflation?

The temptation to wait until the end of the tax year (5th April 2023) to check you’re using your various allowances is o...
19/08/2022

The temptation to wait until the end of the tax year (5th April 2023) to check you’re using your various allowances is one that should be resisted.

Taking time to review your tax allowances during the tax year can prevent last-minute panic and ensure that opportunities aren’t missed.

If you’ve ever left it as late as possible to meet a deadline, you’ll know what it feels like. You likely felt anxious and stressed, before experiencing the relief of (hopefully) getting your job done in time.

Waiting until the last minute can easily become a habit – but it can also come with a cost where financial deadlines are concerned.

17/08/2022

Could this be you?

You're not the only one. When we first start working with clients, this is typical. They’ve known they should have started planning earlier, and have put it off.

Life and living in the now simply take priority, which is understandable.

But how often have you heard your parents/grandparents say they’d wished they’d done something sooner…

- Pension planning
- Investment planning
- Insurance and protection planning
- Wills & Powers of Attorney

Don’t sit on them, your older self will thank you later.

A D M I N A S S I S T A N T Meet Kelly! We have had the pleasure of her smiley face for over 5 years and counting, a jo...
12/08/2022

A D M I N A S S I S T A N T

Meet Kelly! We have had the pleasure of her smiley face for over 5 years and counting, a joy to have around! …and of course, her lovely manner with our clients is always noted! Say hi next time you pop in!

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