Take control of your investments with an investing strategy designed to fit you
What is investment advice?
Investing can give your money the potential to work harder. As independent financial advisers our investment advice can help you make the most of your money, selecting the most appropriate long-term investments, designed to deliver against your financial plans.
Our aim is to maximise investment growth (but minimise risk) through diversification. Our financial advisers will discuss their recommendations with you before implementing your plan, and can monitor your investments, providing updates on their progress.
Investing is personal
Why get investment advice?
Your motivation for investing that is important to us. Whether your motivation is to save for retirement or a rainy day, generate additional income or pay university fees for your children, investing is personal.
Deciding how to invest can be a daunting. There is no one size fits all. While you can invest directly, through the stock market or numerous online outlets – investing with a financial adviser can be invaluable. Whether you’re investing for the first time, or looking to review your investment portfolio, we can help you take control of your investments and make a plan that aligns with your financial goals.
Traditional investing takes an investor’s need for returns and their attitude to risk into account. With Sustainable investing, your money can influence positive change and support causes you care about.
Wren Sterling is an independent financial advisory business. This means we recommend the most suitable investment solution for our clients from across the market. Discretionary fund management (DFM) is where the decision to buy or sell investments is made by an asset portfolio manager on an investor’s behalf.
Your Wren Sterling adviser has the option to recommend Magnus, a DFM part of the same group of companies as Wren Sterling. Find out more.
It can be hard to remove emotion when you’re dealing with money, but that’s what an independent adviser is able to do on behalf of their clients. We help our clients to stay focused on the long term and ignore short-term market downturns and negative headlines.
Phil Jenkins, Wren Sterling
All investments are made in assets, such as property, bonds, equities and cash. Spreading your investments over these assets helps protect your portfolio from the risk of being invested in one area.
Gareth Hope, Wren Sterling
Our investment advice process
Step 1 – Learn about you
Our financial advisers will get to know you, take the time to understand your motivations for investing, your assets and liabilities, income and expenditure and attitude to risk before recommending an appropriate strategy.
Step 2 – Create your plan
We’ll make a recommendation that’s designed to meet your needs and appetite for risk. Your adviser will present this to you, going into detail about how this is designed to meet your needs.
Step 3 – Carry out your plan
We’ll help you implement your financial plan – doing all the leg work so you don’t have to.
Benefits of financial investment advice
Cut through the noise
Investing is a complex topic and can be overwhelming. A financial adviser can work with you to explain financial concepts and what they mean for you.
Increase potential returns and mitigate risk
Our impartial investment advice can get you closer to your financial goals at a level of risk you’re comfortable with.
Peace of mind
Many choices you make with your money are irreversible. Working with a financial adviser can help you feel more confident about your financial decisions.
How do we ensure the quality of our investment advice?
Compliance
Our advisers are supported locally by highly experienced researchers, compliance and client service teams. To ensure the ongoing suitability of our advice we operate an experienced internal compliance function and we also work with a third party compliance support provider to ensure quality advice.
Our investment partners
Wren Sterling works with many of the best known fund managers in the UK and our investment options are drawn from the whole of the market, affording our clients the choice they deserve and ensuring we’re tailoring our investment strategy to every client’s individual circumstances.
Our Investment Committee
Our Investment Committee oversees the investments that our advisers are able to recommend. This oversight is provided by external industry experts, independent fund researchers as well as Wren Sterling advisers and members of our Executive Team.
Anthony was very pleasant and immediately in stilled confidence. He was extremely well prepared and had obviously reviewed my previous profile. I am not confident when dealing with financial matters. He recognized that and tailored his explanations so that I understood what and why he was recommending changes to my investments. Each visit included clear and very detailed paper work and graphs which helped support his recommendations. He was not pushy in any way and left the final decisions up to me.
Elizabeth, 5 stars on feefo
The service we have received from Wren Sterling has always been exceptional and in particular our dealings with David Simons has been excellent. He is clear in explaining different types of investment and his advice has been based on a thorough understanding of my financial situation. It’s refreshing that he always puts the customer at the forefront of his advice and at no time were we pressurised in taking any unsuitable products.
Philip, 5 stars on feefo
Excellent service from Colin, our advisor. Always on hand to answer questions and act on instructions. He has given advise to move investments to maximise returns and keep costs down.
Anonymous, 5 stars on feefo
Why choose investment advice from Wren Sterling?
Trusted
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Correct September 2024
Our Guides – Learn more about investing
Our guide to investing is designed to be a useful background to investing, familiarise you with investing terms, so that you’re better able to understand your investments. We’ll explain the purpose of risk in investing, asset classes and diversification.
You can make investments without a financial advisor, but you’re more likely to find a product that meets your circumstances and attitude to risk if you have help. When you make an enquiry, one of our local investment advisers will respond, helping you find out if investment advice is for you.
Is there a minimum amount you can invest?
Is there a minimum amount you can invest?
This will depend on the product you choose to invest in. As a rule of thumb, we generally recommend investing funds that you are not intending to use for the next 5+ years, keeping a separate ‘pot’ of savings to cover planned spending and emergencies.
What are Sustainable Investments?
What are Sustainable Investments?
Investment advice already considers your personal situation, investment goals, attitude to risk and time scales. Sustainable investing add another layer – as your adviser will discuss your values and the causes you care about. These investments focus on companies whose business activities align with your preferences, so that your money can influence change.
Discretionary fund management (DFM) is where the decision to buy or sell investments is made by an asset portfolio manager on an investor’s behalf. Following an assessment of your needs, your financial planner may recommend a third party discretionary fund manager to choose your investments and manage them.
Whilst your financial planner will retain the responsibility for your financial planning requirements, the chosen discretionary fund manager will focus on increasing the returns from your investments using guidelines that you are comfortable with and have agreed in advance.
There are four main UK asset classes available to draw on for investment purposes; cash, fixed interest (bonds), property, shares. These are the ‘building blocks’ of all investments. Our investment guide is designed to help you understand your options and learn how a combination of different asset classes can work together to create a suitable risk balance in your portfolio.
‘Diversifying’ your portfolio in this way limits your dependence on any one asset class, offsetting any potential losses against gains in another.
All investments carry some degree of risk, as the value of an investment can go down as well as up.
Every investor will have a different level of willingness and ability to withstand risk. We call this ‘appetite for risk’ and use it to recommend suitable investments.
Learn more about market turbulence and how it can affect your investments.
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