A new angle on effective financial management

It is hard to keep track of your financial situation in an ever-changing world

You probably ask yourself if you are making the most of your savings, whether you will have the money available when you need it for key family events and if you have made adequate provision for your retirement.

It is unrealistic to expect to be able to plan your financial future and assess whether you are set up to achieve your goals on your own.

Where do you turn to for help that you can trust?

Rossborough Financial is a leading local financial services business dedicated to helping its clients make the most of their financial opportunities and fulfil their ambitions for the future.

To help you achieve your financial goals we have developed PERSPECTIVE, an all-embracing financial management service based around Rossborough Financial's own focused investment strategies, designed to add genuine value to your financial wellbeing.

Ask yourself some important questions

In the midst of the day-to-day pressure of modern life have you ever taken the time to sit back and actually focus on your future financial needs, goals and aspirations?

When your thoughts turn to your finances there are a host of questions you should be asking yourself:

  • Have I enough money to cover substantial financial commitments such as school fees and family weddings and other family events
  • How much should I set aside to be certain of a secure and comfortable retirement?
  • Are my existing saving and investment arrangements growing at the rate I need?
  • Am I getting the support and service from my financial adviser that I deserve?

How do I get control of my money?

If you are the sort of person who has a prudent approach to money, you probably have some savings and investments in place already. They may well have been an appropriate choice when you initially invested, but when they were last reviewed and how relevant are they now when you take into account:

  • Changes in your needs and circumstances?
  • New developments in savings and investment solutions?
  • Changes in the global investment market?
  • Changes in the local economic and regulatory environment such as changes in tax and the beneficial treatment of insurance-based products. 

Very few people have a real handle on their current finances and future requirements, so if you are concerned, you are not alone.

Making sense of your money - It is really not that easy at all

The answers to your questions are not easy to work out. The problem is that we all start from a different point, have little control over future changes in our circumstances and have different attitudes and ambitions as to what we would like to achieve.

Whatever your circumstances and ambitions, you owe it to yourself to ensure that your money is invested to give you the best possible chance to reach your full potential. While that may sound simple, the reality is that you will need professional help to make the most of your opportunities.

Wherever you are, you will find financial advisers more than ready with an offer of help. But with many advisers specialising in the international arena and in increasingly high minimum investment levels required to gain access to an in-depth financial review, it is not easy to find someone who can provide both expertise and the time to dedicate to you.

Of those few advisers you might find, how may have the resources and expertise to help you identify and achieve your financial goals, not just now but in the future?

That is where Rossborough Financial can help

We specialise in helping you to make the most of your wealth with a service we call PERSPECTIVE.

Introducing PERSPECTIVE

PERSPECTIVE is our unique approach to helping you make the most of your financial arrangements through a defined process that ensures all the important considerations are taken into account.

  • Help you establish your future needs and aspirations in order to establish your financial targets
  • Review your existing saving and investment arrangements to assess whether they can achieve your financial goals
  • Agree a cohesive financial management and investment strategy focused on ensuring your investment returns can achieve your financial objectives
  • Monitor and report on the performance of your investments to ensure they remain on target and relevant to your changing personal circumstances 

Of course, this is a simple summary of a process that will take into account a wide range of influencing factors, including:

  • How far ahead your financial targets are set
  • The value and investment allocation of your existing arrangements
  • The investment strategy needed to achieve your financial targets
  • The level of risk you choose to accept in striving for higher returns
  • Any requirement to release funds to meet capital expenses or provide a regular income

A focused investment solution

The effectiveness of your financial plan inevitably relies on underlying investments to deliver returns that can turn insightful planning into tangible rewards. Recognising this, Rossborough Financial has developed investment strategies that we believe give you the best opportunity to meet your goals.

We offer a range of investment strategies, each of which consists of several managed funds. These cover all the world's main markets and major asset classes, as appropriate to your chosen strategy, and are run by some of the most respected names in the investment world.

Through a thorough research process, Rossborough Financial's professionally-led and experienced investment team identifies what it considers to be the "best of breed" from across the fund management industry as appropriate for each Investment Strategy.  Once that selection is made, the portfolio of funds is regularly monitored and reviewed to ensure that the chosen funds and fund managers continue to fully justify their selection.

Naturally, our investment team monitors fund returns, but our investment management process goes much deeper than that. We also maintain an active dialogue with the fund managers themselves so that we can readily understand their investment approach at any given time. This enables us to recommend changes to the Investment Strategies when the investment climate or the fund manager's investment approach dictates.

As well as monitoring the funds themselves, our investment team also keep close to any changes in the fund industry or within the fund management companies. This means we will quickly identify manager movements, fund company takeovers and any other news that could adversely impact on performance. If as a result of our research they feel that changes are necessary then these can take place with minimal delay, subject to your approval.

How do you find out more?

One of our team of consultants will be pleased to meet with you to explain more about PERSPECTIVE and the tangible financial benefits it offers

If you have any saving or investment arrangement then the PERSPECTIVE service may be ideally suited to you and could add value to your financial well being.

Our Investment Strategies are also available for investment on a stand-alone basis.

We provide advice on investment, pension and life business. We do not provide tax or legal advice or trustee or nominee services.

We do not have any discretionary investment authority and any instructions to vary your investments will have to be given by you.

Risk warnings - Potential investors should note that the capital value of investment and any income from them may fall as well as rise and an investor may not get back the amount originally invested. Past performance is not necessarily a guide to future performance. Movements in currency exchange may cause the value of underlying investments to fall or rise in the carrying on of investment business.

Please contact us if you would like to discuss your investment requirements further.

Contact us

Rossborough Financial Services Limited

Email: enquiries@rfsl.co.uk

Jersey

Phone: 01534 500662
Fax: 01534 732262

PO Box 332, 41 La Motte Street
St Helier, Jersey JE4 9YA

Guernsey

Phone: 01481 241534
Fax: 01481 241535

PO Box 127, Rossborough House
Bulwer Avenue, St Sampsons 
Guernsey GY1 3HG

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