A vital part of making the right investment decision is your understanding of and attitude to risk. At Lloyds Bank Private Banking, our aim is to make sure that you are aware of the possible outcomes of any investment so that you are comfortable with any risk involved.
A key question to ask when deciding how much and where to invest is:
Are you prepared to accept a potential fall in value over the short term if this will improve your chances of generating better returns in the longer-term future?
If your answer is NO
You are not prepared to take any risks with your money and do not wish to see the value of your investment vary from day to day, then you will need to invest in cash deposits where your capital is safer and any added value comes through interest only.
If your answer is YES
You are prepared to accept that the value of your investment may rise or fall, then there are many other options open to you, but it is important that you are aware of the nature and extent of the risks involved so you can make an appropriate choice.
A good investor will always aim to reduce their overall level of risk by investing in a variety of different assets – known as diversification. Spreading your investments across different types of assets can help minimise the effect that any one event – such as a change in interest rates, or a slump in the property market – can have on your capital. Different investments have different risks and behave in different ways, so by choosing a range of assets you can help to potentially reduce your personal loss if any one of your investments falls in value.
All investments carry some degree of risk, but the level of risk is usually proportional to the expected rate of return. Past performance is not an indication of future performance.
The value of investments and the income from them may fall as well as rise and cannot be guaranteed. Investors may not receive back the full amount originally invested. Past performance is not an indication of future performance.
For access to advice from a Private Banking and Advice Manager, you’ll need at least £250,000 in savings, investments and/or personal pensions and/or a sole annual income of at least £250,000.
Find out more about eligibility and fees
You can call us to arrange an appointment or ask a question.
Lines are open Monday to Friday from 09:00 to 17:00 (Tuesday and Thursday until 19:00) and Saturday from 09:00 to 13:00. Excluding Bank Holidays. Call cost may vary depending on your service provider.
Get in touch with one of our Private Banking and Advice Managers.
No charges for the initial meeting to discuss your individual circumstances and objectives.
No obligation to take any of our services or products.
Before any services or products are provided to you we will explain what advice we can give and what products and services this covers, and any advice or product charges that apply and agree these with you.
IMPORTANT LEGAL INFORMATION:
Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.