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Our Approach

Abacus Advice provides tailored financial solutions covering pension and investment advice, financial planning, retirement planning and protection services.

Our Approach

Abacus Advice provides tailored financial solutions covering pension and investment advice, financial planning, retirement planning and protection services.

Our main services include financial planning, pensions, investments, retirement planning and financial protection (insurances).

Your Financial Objectives

Tailored financial solutions based on your specific needs.

Like other aspects of your life, having a financial plan is a tried-and-tested way to achieve your objectives. Before you define your own financial plans, you need to identify what is important to you. This will help you identify the kinds of savings, investments, retirement, protection, and other advice you need.

Abacus Advice provides an extensive range of services, plus the ability to create tailored financial solutions based on your specific objectives and plans.

OUR SERVICES

Lifestages

Short-Term Plans

Short-term plans that you are aiming to achieve over the next one to five years, such as buying a new car or the next holiday, are better suited to cash savings. This is because investing in the stock market over short time frames exposes you to potential volatility, and if the market falls you will have little time to recoup any reductions in your money.

If you’re only saving or investing for a relatively short period of time, you need more certainty about how your savings and investments will perform, and for your money to be easily accessible.

Mid-Term Plans

Medium term refers to investments with a five and ten-year time horizon. So your plan is further away than a short-term investment, but it’s not in the distant future. Medium-term investment plans might include paying for a wedding, starting a business, paying for your children’s education, or something similar.

With medium-term investments, you can afford to ride out some market volatility, which you can’t in a short-term investment. You may also start introducing shares and bonds to your portfolio, as you’ll have more time to grow your investments and longer to recover from any downturns along the way.

Long-Term Plans

Long-term investments sit on the distant horizon, typically ten years away or more. It’s out of sight, but not entirely out of mind. A longer time horizon gives your money time to work, and time to enjoy the benefits of compounding. This is when you reinvest any returns, along with your initial investment, to generate further returns in future.

It also means you’re able to diversify your portfolio, including a mix of assets that offer a healthy blend of risk and return, and with sensible protection and varied exposure. Time is on your side, so you should be able to ride out the volatility of the market.

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