Wealth Management Cardiff2024-03-11T00:03:20+00:00

Only 16% of UK adults feel knowledgeable enough to manage their own wealth* – the rest could be making poor decisions costing £000’s

TT Wealth show you how wealth management services can help you avoid financial despair for you and your family

Only 16% of UK adults rate themselves as highly knowledgeable about financial matters* – the rest could be making poor decisions costing £000’s

TT Wealth show you how wealth management services can help you avoid financial despair for you and your family

*Statistic source: FCA Publication

Whatever stage of life you’ve reached and whatever plans you may have for the future, you want your money to earn the best return possible without taking undue risk.

By setting aside some of your money and practising effective investment management, you’ll set yourself up for greater financial security in the future. Whether you want to build a pension for retirement, save a deposit for a house, or generate extra income to cover an expense, any savings you have accrued may provide a more substantial return if you invest them.

Take the time to think about what you actually want from your investments. The sooner you start investing with the help of reputable wealth managers, the better off you will be. This is a simple truth, and it’s based on the fact that even the most conservative investments grow on a compound basis. There are a few key things you should consider to get the best from your investments:

  • Goals – be clear about the purpose of your investment

  • Payments – Make sure you can afford the amount you want to save

  • Investment Risk – Think about the level of risk that you are comfortable taking with your money

  • Timescale – The longer you invest, the more opportunity it has to grow in value and reach your goals

  • Diversify – spreading your money across different investment types can reduce your risk

  • Tax efficient – make the most of tax planning with investments such as pensions, individual savings plans, trusts, enterprise investment schemes, venture capital trusts, etc;

  • Review, review, review – its vital to review your investments regularly to ensure they stay on track to meet your goals.

Man holding piggy bank representing wealth management

Wealth Management – Investment Objectives

If you’ve got enough money in your cash savings account to cover you for at least six months, and you want to see your money grow over the long term, then you should consider investing some of it.

Investing is a lifelong process, and the sooner you start, the better off you may be in the long run.


Deciding whether to invest depends on how comfortable you are with taking chances, what your current financial situation is like, and what you want for the  Future. Investing isn’t the same as just saving your money because there is the chance to either gain or lose money.

For instance, if you plan to retire soon, it might not be a good idea to invest all your savings in something with a high level of risk.


You may be a few months away from putting down a deposit on your first home loan. In this case, you might be considering cash or term deposits. You might also choose a more conservative investment that keeps your savings safe in the short term.

On the other hand, if you have just recently started working and saving, you may be happy to invest a larger sum of your money into a higher risk with higher potential returns, knowing you won’t need to access it in the immediate future.


If appropriate, you should consider a range of different investment options. A diverse portfolio can help protect your wealth from market ups and downs. There are four main types of investments, with individual benefits and risks.

These are:

  • Cash – savings put in a bank or building society account

  • Shares – investors buy a stake in a company

  • Property – investors invest in a physical building, whether commercial or residential

  • Fixed interest securities – investors loan their money to a company or government

The various assets owned by investors are called ‘investment portfolios’. You can invest directly in these assets, or you may prefer a managed fund that offers a range of different investments and is looked after by a professional fund manager.


Growth investments aim to increase in value over time, as well as potentially pay out income. Because their prices can rise and fall significantly, growth  nvestments may deliver higher returns than defensive investments, focusing more on generating regular income rather than growing themselves. However, you also have a stronger chance of losing money.

The two most common types of growth investments are shares and property.


Depending on where you put your money, it could be paid in a number of different ways:

– Dividends (from shares)

– Rent (from properties)

– Interest (from cash deposits and fixed-interest securities)

– Capital gains or losses

Understanding Investment Risk

Risk capacity is influenced by factors such as your age, wealth, and the goals you are saving and investing for. Your capacity for risk is likely to change over the course of your life as your personal circumstances change.

If you understand the risks associated with investing and know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Often, higher-risk investments offer the chance of greater returns, but there’s also more chance of losing money.

Risk means different things to different people, and independent financial advisers are a great tool to help you make the right choice.

Understanding Wealth Management and Investment Risk


Stock market investments might beat inflation and interest rates over time, but you run the risk that prices might be low when you need to sell. This could result in a poor return or, if prices are lower than when you bought, losing money.

You can’t escape risk completely, but you can manage it by investing for the long term in a range of different things, which is called ‘diversification’. You can also look at paying money into your investments regularly rather than all in one go. This can help smooth out the highs and lows and cut the risk of making big losses.

Some investments can decrease in value, and you may not get back what you invested.

The stock market will fluctuate in value daily, sometimes by large amounts. You could lose some or all of your money depending on the company or companies you have bought. Other assets, such as property and bonds, can also fall in value.

Speaking with a financial advisor will give you the best chance of meeting your financial goals without losing your money, as financial advisors have a deeper understanding of investment management techniques.

Maintaining a Diversified Portfolio

One of the most important aspects of investing is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy.

Diversification allows an investor to spread risk between different kinds of investments to potentially improve returns. This helps reduce the risk of the overall investments underperforming or losing money. With some careful investment planning and an understanding of how various asset classes work together, a properly diversified portfolio provides investors with an effective tool for reducing risk and volatility without necessarily giving up returns.


There are many opportunities for diversification, even within a single kind of investment.

For example, with shares, you could spread your investments between:

  • Large and small companies

  • The UK and overseas market

  • Different sectors (industrial, fianncial, oil, etc.)

Please get in touch if you want help creating a diversified investment portfolio.

Ethical Saving and Investing

Whether it’s termed ethical, responsible or sustainable investing, the aim is generally the same. It’s investing your money in businesses which have some intention of making the world a better place. In the past, ethical investing was the only option if you wanted to invest in companies aligned to your values. But this ‘good money’ sector has moved on a lot in recent years.


Ethical is now just one of many options you can choose from. Green and ethical investments look at the wider impact of investing on society and the environment when seeking financial returns. They take into account social or environmental considerations in addition to financial criteria.

Just as you can now choose from a range of green or ethically produced goods in your local supermarket, you can also choose financial products that have positive benefits for the environment and society.

If you would like advice or guidance on building an ethical savings or investment strategy, then get in touch with a  certified financial planner today.

Wealth Management - Ethical Saving and Investing

For Wealth Management / Asset Management Advice, please call Tony Thomas on:

Mobile: 07585 592494


Client Testimonials

We had a combination of funds inherited and generated by pension income which required investment advice and proper professional management, which Tony provided that was tailored to our individual ethical needs.
We are very happy with the outcome.

Steve, November 2018

I needed to invest money for my retirement and to maximize my savings.
Tony is very knowledgeable in what I needed and helpful in explaining what my options were and very pleased with the results.
He was helpful and knowledgeable.

Phil, November 2018

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