Investment Planning

Investment Planning

About Investment Planning

The financial world can appear extremely complicated. Analysing and monitoring the enormous diversity of products, funds, wrappers and platforms can be a daunting experience.
An investment solution should work in harmony with your long-term goals.  It is important to understand what you want to achieve, taking into consideration all your objectives along with your attitude towards investment risk.  The success of investment management lies in determining the right balance between risk and return.

Examples of some of the investment structures offered are:

In our experience, people with very similar circumstances can want very different outcomes from their relationship with us. We aim to provide you with peace of mind when it comes to your personal finances. Our financial planning service enables you to focus on your life whilst we take care of the management of your assets.

We provide you with practical and relevant financial advice, taking into consideration all your objectives along with your attitude towards investment risk. We adopt a comprehensive, holistic approach to our process, aimed at providing the most suitable solutions for you. We work with you on an on-going basis, to ensure that growth within your investments is maximised, your portfolio remains in line with your objectives, is tax efficient, and if appropriate you are able to access sufficient income relative to your needs in the future.

Cash flow planning

Investment planning is often part of a wider retirement planning process. We can provide effective cash flow planning to ensure the sustainability of your future capital and income needs.


We advise on the suitability of Trusts for different client situations and provide advice to many Trustees on their investment obligations and responsibilities.

Collective Investments

Unit Trusts, Investment Trusts and Open Ended Investment Companies

Capital Investment Bonds

Capital Investment bonds are designed to give capital growth...

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Specialist Investments

The choice of investment products can be bewildering, find out about other options

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Offshore Collectives

Offshore investment vehicles include unit trusts, mutual funds or investment companies...
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The choice of investment products can be bewildering but we are here to help, please contact us if you have any questions or wish to find out more.

Cash Flow Modelling


Tax efficient indépendant savings accounts, let PAF Hereford show you what’s possible.

National Savings

The least risky of investment options are those offered by National Savings, which raises money on behalf of the UK Government.

While investment returns may be relatively low and some involve tying your money up for long periods of time they are nevertheless stable and in some cases can be paid tax free or paid without deduction of tax (although taxable), which is beneficial if you are a non taxpayer.

They include National Savings Bank accounts and various forms of savings and Income Bonds. These savings and investment products are backed by H.M. Treasury, which makes them the most secure cash products available in the UK.
There are so many different types of savings and financial investments so it is wise to seek advice.

Important Information

The financial conduct authority does not regulate national savings products.

Information is based on our current understanding of taxation legislation and regulations. any levels and bases of, and reliefs from taxation, are subject to change.

The value of your investment can fall as well as rise and is not guaranteed. The information on this page isn’t advice – please ask us for financial advice if you’re not sure which investments are right for you.

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