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Investment Adviser

An investment adviser will be able to advise you on the whole range of options when looking at an investment scheme for you. This could be a stockbroker providing advice on a share portfolio or a financial adviser providing advice on collective investments such as unit trusts, pension schemes, investment bonds and investment trusts.

An investment adviser will look at your personal circumstances, what you are looking to achieve and your overall investment risk profile and take all these factors into account when recommending a suitable investment strategy for you.

He or she may be independent of any one company and, therefore, able to offer advice covering the whole market. On the other hand, the adviser may work from a panel of companies or be tied to one company in which case the solutions provided to you may be a little more limited. Additionally, some investment advisers choose to work for a fee, which may be fixed at outset or based on the time spent whereas others choose to be remunerated via commissions paid directly by the investment manager. Whichever type of investment adviser you have, it is important that your adviser makes you aware of their status at outset and how they are remunerated and they are in fact obliged to do this. This will enable to you to decide whether the investment adviser that you have chosen is the most suitable one for you.