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How to set the right investment goals in four easy steps

18 July 2017HighlightsEconomicsEquitiesVideo

We recommend beginning any investment with this easy four-step process – explained in this video by Harry Bertsouklis of Citigold UK.

Setting investment goals can be complex, and it's also a very personal decision. However, the earlier you clarify exactly what they are, the more opportunities you give yourself.

So, what are the four steps to setting the right investment goals?

Step 1: Understanding your needs

Firstly, your relationship manager will find out more about your vision of the future. By discussing what you need, want and hope to achieve, they will start forming the bedrock of your investment goals. This can be a tricky step for a lot of people, but talking it through with your relationship manager will help bring both clarity and structure to your thoughts.

This first step is crucial in getting to know your personal investor profile, so be sure to mention any existing investments, your knowledge of the financial markets and the level of risk you're comfortable with. Lastly, this stage is also where your relationship manager defines your investment aims and objectives.

Step 2: Devising your personal strategy

Secondly, your relationship manager will look through the wide range of investment products available to help you achieve your goals. Think of these products as tools to help you carve out your ideal future. We'll usually advise you to use multiple products, as this approach can ensure you're hitting both your short and long term goals – as well as lower the risk of your overall investments.

Step 3: Finding the right products for you

After you've discussed your initial options, your relationship advisor will recommend their final selection of products. These can come from a wide range of mutual funds, ETFs or structured products, ensuring that your portfolio meets your needs.

Step 4: Review and advice

As your life evolves, keep your Relationship Manager updated in case actions are required to refine your strategy, keeping it in line with your goals. Should you require a regular review of your portfolio please contact your Relationship Manager and Portfolio Counsellor to facilitate this.

Please keep us informed of changes to your personal or financial situation changes in order that your relationship manager can also advise you on the best route to the future that you want. And don't forget – you can request an investment review at any time.

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