Mulberry Wealth Management Ltd

366-370 Cyncoed Road,

Cyncoed, Cardiff CF23 6SA

T: 02920 023 333

E: info@mulberrywealth.co.uk
W: www.mulberrywealth.co.uk

Cultivate the art of patience

Avoid knee-jerk reactions by focusing on long-term investment objectives

FACTSHEET
Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era
of the 24-hour news cycle. Human tendency is to prioritise negative over positive news content, and no one is immune from
bad news. So as an investor, when you do get it, how do you process the information, deal with it and move on unscathed?

The goal of any investor should be to focus on opportunity for compounding and growth. What is your time horizon? What is your investment
long-term investment objectives and avoid any Keep in mind that compounding, overall, can have a risk tolerance? What are your liquidity needs? And
knee-jerk reactions.Volatility can understandably give significant long-term impact, even if there are periods are you investing for growth, income or both? n
any investor the jitters.The investment world can be where your money won’t grow.While there are no
unpredictable, and investors currently have plenty guarantees, the value of compounded investment
of bad news to process with a plethora of events earnings can turn out to be far greater over many years
making the daily and even hourly news headlines than your contributions alone.As Warren Buffett, the
HELPING YOU ACHIEVE
– from the US-China trade conflict and oil price American business magnate, investor and philanthropist, YOUR FINANCIAL GOALS
volatility, to Britain’s exit from the European Union. put it so eloquently;‘The stock market is designed to Financial news can be dangerous to the
Market downturns can also unnerve even the transfer money from the active to the patient.’ health of your investment portfolio. Whether
most seasoned of investors. But if you want to give you are looking to invest for income, growth
your investments the best chance of earning a return, DIVERSIFY YOUR PORTFOLIO or a combination of the two, we can provide
then it’s important to cultivate the art of patience. STRATEGY the quality advice and a comprehensive range
Whatever happens in the markets, in all probability Diversification is a strategy that involves investing of investment solutions to help you achieve
your reasons for investing won’t have changed. across or within different asset classes to minimise your financial goals. For more information,
the ups and downs of financial markets. In other please contact us.
STAY POSITIVE AND FOCUS ON words, diversification is about not having all your
YOUR INVESTMENT GOALS eggs in one basket. Although having a diversified
portfolio won’t eliminate all volatility, a well-thought-
TUNE OUT THE NOISE out diversification strategy can help to reduce
The deluge of information we receive every day risk during this period and help with gaining more INFORMATION IS BASED ON OUR
on our mobiles,TVs and computers might have consistent returns over the long term. CURRENT UNDERSTANDING OF TAXATION
something to do with increasing levels of uncertainty, Generally speaking, there are four broad asset LEGISLATION AND REGULATIONS. ANY LEVELS
but remember ‘bad news sells’.We are inundated classes: cash, fixed interest, property and shares. AND BASES OF, AND RELIEFS FROM,TAXATION
with new information all the time.There is no break Because asset classes have their own unique ARE SUBJECT TO CHANGE.TAX TREATMENT
from it. And that can be exhausting. economic cycles, when one class is making stronger IS BASED ON INDIVIDUAL CIRCUMSTANCES
This information overload, news alerts, tweets and returns, another may not be performing as well. AND MAY BE SUBJECT TO CHANGE IN THE
posts can lead to poor, knee-jerk reactions.We’re By spreading your investments across and within FUTURE. ALTHOUGH ENDEAVOURS HAVE BEEN
hardwired to want this amount of information but not different asset classes, you’ll be in a better position MADE TO PROVIDE ACCURATE AND TIMELY
hardwired to deal with it. But if you do find yourself to offset the volatility of individual investments. INFORMATION,WE CANNOT GUARANTEE
in a situation where you require insightful information THAT SUCH INFORMATION IS ACCURATE AS
that you can trust, then speak to us and we’ll give you DEFINE YOUR GOALS FOR OF THE DATE IT IS RECEIVED OR THAT IT WILL
an unbiased assessment of the situation. INVESTING CONTINUE TO BE ACCURATE IN THE FUTURE.
Knowing what you want your money to achieve will NO INDIVIDUAL OR COMPANY SHOULD
LOOK TO THE LONGER TERM help you to remain focused through times of market ACT UPON SUCH INFORMATION WITHOUT
The length of time you stay invested in the market volatility and bad news. One of the first steps to RECEIVING APPROPRIATE PROFESSIONAL
is generally more important than market timing. investing is to clearly define your investment goals. ADVICE AFTER A THOROUGH REVIEW OF
One of the advantages associated with long-term Taking time to consider what you want to achieve as THEIR PARTICULAR SITUATION.WE CANNOT
investing is the potential for compounding.When a result of your investment process will guide you in ACCEPT RESPONSIBILITY FOR ANY LOSS AS A
your investments produce earnings, those earnings determining specific investment goals. RESULT OF ACTS OR OMISSIONS.
are reinvested and can earn even more.The more Whatever your personal investment goals may be,
time your money stays invested, the greater the it is important to consider the following questions:

Mulberry Wealth Management Ltd is directly authorised by The Financial Conduct Authority.
FCA Registration no. 499351 Registered Office: 366-370 Cyncoed Road, Cyncoed, Cardiff CF23 6SA