JMS Financial Services

Your opportunities. Your wealth. Your legacy.

Part of the process of putting in place a successful personal lifestyle financial plan is to understand your ‘number’ – in other words, the amount of money you’ll ultimately need to ensure complete peace of mind in knowing your future lifestyle is secure and making sure you don’t run out of money before you run out of life.

Continue reading “What should investors consider in the New Year?”

Think about your goals for this coming year – what do you want to accomplish?

Goals help us understand what areas we need to focus on, provide a framework for action planning, and give us a sense of accomplishment as we work toward achieving them. Sometimes it’s hard for us to imagine the future we want because we are so busy trying to get through the day.

Continue reading “Remember, an unwritten goal is just a wish”

Living your life of dreams and passing on your wealth successfully

Many of those who seek to change their lives and move forward find they encounter roadblocks. These roadblocks, which come in the form of unnecessary fears and worries about what might happen next, can stop us from reaching our potential and achieving happiness.

Continue reading “Visualising your future”

Feel more financially secure and independent

Anything is possible when you manage your money the right way. But it’s important to have realistic expectations of what your financial resources can achieve to enable you to achieve your financial and lifestyle goals, without putting your future plans at risk.

Continue reading “‘What if’ scenarios”

Creating a picture of your finances, now and in the future

It’s important to evaluate your financial and lifestyle goals if you want to plan for your future responsibilities and aspirations.

Continue reading “Income inflows and expenditure outflows”

Influence how your investments are managed in future

You need to consider what you really want from your investments. Knowing yourself, your needs and financial and lifestyle goals, and your appetite for risk is a good start. Bumpy rides in the stock market are nothing new, but they can be hard for investors to deal with.

Continue reading “Help your wealth flourish”

Spreading risk between different kinds of investments

A successful personal lifestyle financial plan has no value unless it is properly implemented through an appropriate investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you should consider investing some of it.

Continue reading “What matters to you?”

How to avoid trying to second-guess market movements

Fear and worry is understandable, particularly as the coronavirus (COVID-19) outbreak led to the biggest daily drop in the FTSE 100 since the financial crisis. Trying to second-guess the impact of events such as the coronavirus or the recent global stock market volatility – or even attempting to make a bet on them – rarely pays off and understandably can deter some people from investing.

Continue reading “Smoothing market volatility”

Investment goals and timescales influence how much risk you’re willing to take

The words ‘saving’ and ‘investing’ are often thrown around interchangeably – however, they play very different roles when it comes to your financial goals. Thats why if you want to plan for your financial future, it helps to understand risk associated with both.

Continue reading “Risk for return”

Understanding of how various asset classes work together,

When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy.

Continue reading “Bullish or bearish”