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    Our aim is to make it easier for our clients to manage their wealth.

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Investment Management

Why are we encouraged to save money?
 
From childhood most of us are told to put away money to save for the future – perhaps for something special? Or perhaps to be sure that when we really need something we have the funds to acquire it, without taking on debt? Whether you place your money in a piggy bank, or in a multinational investment house, our aims are broadly the same; to provide for our future needs, and to protect ourselves against unexpected causes of expenditure. 

When planning your finances, it is important to distinguish the difference between savings and investments. Savings are generally funds that you set aside, but can be accessed relatively quickly. These savings are often for a specific need or purchase, like a holiday or a new car. The most common way of ‘saving’ is into a bank account (‘deposit’ account) where the money can be accessed in an emergency, and for every £1 you put in, you will get £1 back and possibly some interest. 

Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time, and should not consider investments unless you have some savings in place. Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your savings. 

Savings and Investment products range from a simple current account, which allows a small amount of interest, but facilitates regular payments and withdrawals without detriment to your savings. At the opposite end of the scale would be company shares, where you invest money in a company, with the prospect that the company will prosper and the shares will increase in value over time. Whilst the benefits are potentially high, the risks are also much greater. 

We will be able to explain risk in more detail. Please contact us before making any decisions. 

The value of investments may fall as well as rise. You may get back less than you originally invested.

 

Investing is a complex business which requires skill, knowledge and a significant amount of time. Most individuals do not have the resources necessary to look after their investments and turn to companies offering a professional investment management service. Our service is independent. We focus on managing investment risk and providing greater consistency of returns with lower volatility for your investments - trying to capture rising markets and trying to avoid the worst of falling markets.

We will develop a financial plan with you and, from that, agree the most appropriate portfolio with a level of risk aligned to your requirements. Understanding risk and the expected range of returns that you might achieve is an important part of determining the right portfolio for you. Our independent investment management service manages portfolios to your risk profile and not index benchmarks.


We can provide you with the range of returns expected to match your given risk strategy, based on statistical probabilities. We do not follow the herd or bet on which markets will produce the best short term benefits. Instead we make decisions based on our expert knowledge and experience taking into account your needs. Managing your portfolio to maintain the appropriate level of risk is at the heart of our investment process.

We use both active investments where we can see that these can add value and passive investments, such as Tracker and Index funds, where out-performance is harder to find. This gives us the opportunity to provide you with superior risk adjusted performance at lower cost. We construct and manage portfolios that are suited to meet our clients' needs and requirements and do not generate commissions or other income when we decide to make changes within a portfolio. 

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We’ll get to know your business and create exactly the right insurance solution for you. 

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Household policies from standard scheme rated home insurance to tailored High Net Worth portfolios.

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Our specialist prestige & performance insurance policies are specially tailored to meet the needs of the performance car enthusiast. 

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" The friendly, knowledgeable, professional yet personal service that you receive is faultless, and of a standard you'd expect to pay a premium for, yet I pay less! " Mr King

Pace Ward Limited & Pace Ward Financial Solutions Ltd

6 Ridge House, Ridgehouse Drive, Festival Park, Stoke on Trent, ST1 5SJ

Tel: 01782 286311

Trustpilot Rated Excellent

Pace Ward Limited are Independent Insurance Brokers who are authorised and regulated by the Financial Conduct Authority. A member of the Compass Network. Pace Ward Ltd Registered Office - 6 Ridge House, Ridgehouse Drive, Stoke on Trent, ST1 5SJ - Registered in England & Wales Number 4812481

Pace Ward Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority. Pace Ward Financial Solutions Ltd Registered Office - 6 Ridge House, Ridgehouse Drive, Stoke on Trent, ST1 5SJ - Registered in England & Wales Number 4812481