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Continue to KinVault About Investments
Investing your money can help you grow your wealth and achieve your financial goals. In the UK, there are several types of investments available, including unit trusts, OEICs (Open Ended Investment Company), and collectives.
Unit trusts and OEICs are both types of open-ended investment companies that allow you to pool your money with other investors and invest in a range of assets. Collectives are funds that invest in a diverse range of assets.
There are four main asset classes: equities, property, bonds, and cash. Equities are shares in companies and can offer the potential for higher returns but come with higher risks. Property can offer the potential for capital growth and rental income, but can be affected by changes in the property market. Bonds are loans to companies or governments and can offer regular income but typically offer lower returns than equities. Cash investments, such as savings accounts, offer low risk but typically lower returns. These and collectives can be held inside or outside an ISA (individual Savings Account), investment Bond or even VCT (venture Capitalist Trust) to name a few.
When investing in any of these asset classes, it's essential to consider your investment goals, risk tolerance, and investment time horizon. Diversification is also crucial to managing risk and maximising potential returns. By investing in a range of asset classes, you can spread your risk and potentially achieve better returns over the long term.
In summary, unit trusts, OEICs, and collectives are investment vehicles that allow you to invest in a range of assets, including equities, property, bonds, and cash. By considering your investment goals, risk tolerance, and investment time horizon, and diversifying your investments, you can potentially achieve better returns and grow your wealth over the long term.
What Our Clients Say
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Pete, the perfect pension person! Pete is spot on for what you need in an adviser... explains everything in simple terms if you don't grasp the topic, or mind bending detail if you do. Extremely knowledgeable, thorough and efficient. Fully recommended! - November 2023 (Cannock)
Elaine Price
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Peter is very knowledgeable and approachable. He explains things thoroughly and makes sure you understand everything about the policy you are taking out - September 2022 (Staffordshire)
Andrea Gibson
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Very pleasant no pressure experience. It was a very pleasant no pressure experience. The information and advice was delivered in a very interesting way and relative to my requirements. Would highly recommend and hope to do business with them for years to come. - August 2023 (Cannock)
Timothy Bishop
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I recently had a great experience with my financial adviser, Peter. He is very knowledgeable and provided me with excellent, personalised advice and recommendations that matched my financial goals. He is extremely personable and provided very good customer service, both of which made the whole process stress free and easy. I have already and will continue to highly recommend his financial services. -June 2023 (Birmingham)
Veronica Parkes
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Peter and Molly were amazing. We had so much stress with people not getting back to us and they well and truly fought our corner. They both had a fantastic knowledge base and were accommodating for us both working full time. Most importantly they were customer focused. They understood our needs and as first time buyers they supported us throughout. We would highly recommend Pete and Molly to anyone and we have already referred a family friend to their services. If you want customer cantered support with timely responses and an excellent knowledge base, then Stalworth is the financial advisor for you. - August 2023 (Cannock)
kyle Marshall & Laura Mitchell
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We had recently been pointed in the direction of Pete and Molly, by a family member who had an amazing outcome with the help of Pete and Molly, so we decided to go for it. Being new to the world of buying our first and hopefully forever home, we had no idea about the process and how it all works. However with Pete and Molly as our financial adviser, anything was possible. They had so much patience with us from start to finish. Especially as we live apart due to work commitments, this was not an issue to arrange meetings through zoom/teams, which made things so much easier for ourselves. They were extremely knowledgeable and provided us with personalized recommendations that fit our specific financial goals, even made sure we had wiggle room to still enjoy life and get the home we wanted that we did not think we could reach. Their attention to detail and exceptional customer service made the entire process a breeze. We would highly recommend their services. - August 2023 (Shropshire)
Sammy Locke & Samuel Locke
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An excellent experience and a huge thanks to our amazing broker Peter who was super throughout keeping us constantly informed, making the whole process so easy, explaining everything so clearly and securing our mortgage and life insurance first time in a difficult market. Would highly recommend Peter and Molly to anyone looking for a broker!! 5* - January 2023 (Chepstow)
Marc Woolley
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We cannot thank Pete and Molly enough. As first time buyers we were naturally clueless and stressed. They both worked together so well to explain everything to us before being there for us literally every step of the way. When the interest rates dropped slightly, Pete even went out of his way to apply for this new mortgage offer as it was in our best interest, and that sums them both up! Going out of their way to do what is best for us as individuals. They were always contactable and you never have to wait long for a response. We now own our first home and will be forever grateful, thankyou - April 2023 (Cannock)
Emma Price & Damian Street
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We used Pete for the mortgage on our new house. Pete was professional, attentive and went above and beyond to meet our needs. Especially as our work commitments often meant we were only available late evenings or weekends, this was never a problem for Pete. I would highly recommend Pete and will be using him in the future for our remortgage - June 2021 (Staffordshire)
Sam Clark & Vikki Wilson
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Pete helped us sort our first mortgage and insurance and has been professional and helpful through every single step. As new comers to the housing market it’s been amazing having someone to make sure we understand everything through every step of the way. Thanks Pete! - March 2021 (Cannock)
Todd Blakeman & Chloe Wood
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Peter helped us achieve our first mortgage. He has a superb knowledge of the subject, an excellent work ethic to go away and research our individual circumstances and showed very fast turn around times. His communication with the estate agents and solicitors is fantastic. Very refreshing to have someone like Pete oversee our whole process. Definitely recommend! - January 2022 (Cannock)
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Jamie Hill & Chloe Yates
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We cant thank you both enough. Throughout the application and approval process you provided regular updates and guidance, keeping us informed at every step. You handled all the paperwork efficiently and effectively, saving us time. I genuinely felt like they had our best interests at heart, and it made a significant difference in our overall experience. I cannot recommend Pete and Molly enough. Whether you're a first-time homebuyer or seeking to refinance your current mortgage, their expertise, professionalism, and customer service will exceed your expectations. Thank you both for helping us secure the best mortgage deal and making the entire process a breeze! - May 2023 (Penkridge)
Sam Rogers & Amy Cox
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Absolutely amazing people and help me to start my journey to owning my first home can’t thank them enough - September 2023 (Cannock)
Tyler Lynn
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Peter really helped me out and gave me a lot of sound advice. I would highly recommend his services to anyone! - December 2023 (Cannock)
Jamie Tansley
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