ISAs, Unit Trusts/OEICs, Onshore Investment Bonds, Offshore Investment Bonds, Structured Products

Platforms, Capital Gains Tax, Investment Proposition.

With a reputation for managing the financial needs of exceptional people, HFL’s approach to wealth management centres on objective and pertinent advice, driven by intelligent and trusted relationships. Expert at navigating the complexities of today’s financial world, we ensure your wealth works for you.

YOUR NEEDS

From planning for retirement or protecting and preserving wealth, HFL’s wealth managers offer objective advice and solutions. Working seamlessly with private bankers and teams of specialists ensures suitable recommendations for every aspect of your wealth.

EXPERT ADVICE

Each of our wealth managers is accredited beyond industry standards, ensuring the highest expertise.

SAVINGS AND INVESTMENTS

If you want financial security, you’ll need to save. Don’t think of saving as an optional extra after other expenses have been covered. Building up savings should be high on your to-do list and included in your monthly budget.

Why should I save?

Firstly, for emergencies. You can never be sure that either your income or your expenditure will stay the same as it is now. By saving, you pay the unexpected bills before they appear.

Secondly, you will have your own good reasons for saving. Deposits for buying homes, education funds for children, weddings and other big life events are just some of the obvious ones.

How much should I save?

For your emergency fund, a rule of thumb is to aim for between three and six months’ worth of your regular income in savings. When it comes to saving for goals, you will need to determine how much you need, when you’ll need it and what rate of return you can expect, and so work out what amount you need to put aside each month.

How should I save?

Because inflation erodes the value of money over time, saving usually requires some form of investing. This is typically a balancing act between risk and returns. Low-risk investments (like cash savings accounts) keep your money relatively safe but offer low rates of growth, while others potentially offer better growth but also more risk of losing money. The best savings strategy for you will depend on your personal circumstances.