Do I need an Adviser?
At some point in your life, as with most of things, you’ll benefit from the advice of an expert. Somebody that gets to know you and your circumstances.
Asset Allocation
Everybody’s attitude to risk and reward is different, and more often than not, your tolerance will depend on your circumstances.
Cost Control
Research shows that low-cost funds outperform higher cost. What matters is your net return. But how can you keep your costs low to increase your return?
Everybody’s circumstances change over time and as that happens you need to make changes that suit you now, rather than stick to what made sense before.
Our instinct is to adapt to protect ourselves when things get rocky but sometimes you have to hold steady - which is where support is needed.