Lifegrid Investments

At Lifegrid Solutions Ltd

At Lifegrid Solutions Ltd, we know each client is an individual. Your attitude towards money and risk will be very different to anyone else’s – we always ensure we bear this in mind when discussing opportunities with you and supporting you to make investment decisions.

We offer a diverse selection of investments, all designed to meet your unique needs:

Unlike other professionals in our field, once we have got to know you, we can of course tailor your investment strategy to your circumstances and attitude to risk, but also to suit your personality. Our thinking and experience can offer a whole of market approach that covers all investment classes and types from deposit based investments to high risk niche investments and everything in between.

If you are looking for a fresh approach to financial planning and wealth creation, book an initial review today.

Advisory investment service

We also work in partnership a bespoke firm of investment professionals, they are an independent boutique investment firm that are also regulated and approved by the FCA and protected by the FSCS.

Our investment professionals have access to the whole of the market place, and can offer any investment required to meet your needs. The products they will recommend are all FCA regulated and protected by the Financial Services Compensation Scheme. They also offer a unique bespoke service to retail clients, normally reserved for clients with larger investment portfolios.

They will provide you with a basket of investments that provides a balance of risk and return. The targeted returns are anyway between 7 – 12% depending on your attitude to investment risk.

What types of advisory investment service are their?

The types of investments they can recommend include the following:

  • Fixed interest Corporate Bonds – these are loans to companies
  • FTSE Shares – buying and selling shares of the top 350 companies
  • AIM Shares – buying and selling shares listed on the alternative investment market as well as raising capital for growing companies
  • CFD trading – investing against the price of a company share going up or down

Our investment professionals also provide:

  • Quick and efficient process
  • Dedicated Investment managers
  • A personal and professional service
  • Regular Updates
  • Actively managed investments
  • FCA regulated investments and advice
  • Financial Services Compensation Scheme protected investments

Discretionary fund management

Discretionary investment management is a form of investment management in which buy and sell decisions are made by a portfolio manager for the client's account. The term "discretionary" refers to the fact that investment decisions are made at the portfolio manager's discretion.

Discretionary investment management can only be offered by individuals who have extensive experience in the investment industry and advanced educational credentials, with many investment managers possessing the Chartered Financial Analyst (CFA) designation. Discretionary investment management is generally only offered to high net worth clients who have a significant level of investable assets.

Discretionary fund management

However through Lifegrid and their partners, clients with £10,000 or more to invest can have access to this type of investment.

Discretionary investment management also aligns the investment manager's decisions with that of the client by offering 3 model portfolios based on the levels of risk associated with them, and in line with our client’s attitude to investment risk.

Discretionary investment management may also ensure that the client has access to better investment opportunities through the portfolio manager. The client may also receive better prices for executed trades, as the portfolio manager can put through a single buy or sell order for multiple clients.

Corporate bonds

Corporate bonds are popular among investors, typically offering lower risk and higher income than shares.

A new route to investing direct in companies has opened up in recent years from the retail bond market as well as the more risky mini bonds.

Meanwhile, many corporate bond funds have done better than expected as interest rates have stayed lower for longer.

What is a corporate bond?

Corporate bonds are issued as a way of raising money for businesses - it's essentially a certificate of debt issued by major companies when you buy bonds you are lending money to a company in exchange for an IOU.

The IOU has a term and at maturity (typically Two, Three, five or ten years) the sum invested is returned in full.

The only thing that might stop this is if the company actually goes bust, (however you do have protection from the Financial Services Compensation Scheme in this event.)

The bond also has a coupon - the amount of interest paid, that generally between 6 – 9% per year depending on the company issuing the bond.

All advice provided is FCA regulated as are the investments, the investments are also protected by the Financial Services Compensation Scheme.

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