Making investment choices

Identifying the right solutions for your financial need is not simple.

At Lloyds Bank Private Banking we can help you do so by:

  • Gaining a clear picture of your current financial circumstances
  • Understanding your views about, and willingness to accept, risk
  • Exploring your aims and objectives
  • Agreeing solutions to help you build, manage and protect your wealth
  • Providing those solutions through the right combination of investments and an appropriate level of risk.

Where I am today

It's important to know where you are now before deciding how and where to invest your money.

Here are some questions to get you started:

  • Have you got debts you could pay off now – such as credit cards charging high rates of interest?
  • Do you have enough protection for you and your family if you lost your income?
  • Do you have easy access to cash from a bank or building society in case of emergencies or for future plans such as holidays?
  • Do you already have investments and are you making the most of relevant tax breaks?

Where I want to be

It's equally as important to know where you would like to be so here are a few further questions to help you on the way.

Here are some questions to get you started:

  • Do you have a lump sum to invest or do you want to save a regular amount?
  • How long do you want to invest for – are you saving for your retirement, for a particular event or just to build a nest egg?
  • How much risk are you willing to take with your money – are you essentially cautious or happy to be more adventurous?
  • Do you need to get a regular income from your investment or do you want it to grow in value?

What about timescales?

Timing is everything when you are choosing how to invest, so it is important to set your time horizons right at the start. If you are about to retire you may want to protect your capital. If you can tie up your capital for longer you might choose to take a greater level of risk in the hope of getting a better return.

Here are a few more questions to get you thinking on the right path towards defining your time horizons:

  • Are your financial goals short, medium or long-term? For example less than 5 years, 5 to 10 years or over 10 years?
  • Do you need your investments to provide you with an income straight away or can that wait until later – perhaps after you retire?
  • When will you next need to draw on the capital you are investing now?
  • Do you already have commitments planned – perhaps weddings, school fees or a house move?

Investment income over time

Income from an investment can come in the form of interest or dividends (typically payments representing a share of profits paid to shareholders). How you choose to use any potential income can affect the performance of your investment.

If you reinvest the income, known as ‘compounding’, you’ll add to your overall sum invested with the potential to benefit from further returns on the income you have already received.

This is an option to consider if you don’t need to draw an income immediately. If you choose to spend the income then the potential for your investment to grow will be more limited – or not at all.

Becoming a Lloyds Bank Private Banking client

When you invest with us, we will guide you through the whole investment process, helping you to think through what is involved, from your lifestyle commitments to the types of investment that might be a good fit for you.

Together we can select a financial strategy you’ll have confidence in. Ultimately we want to help you reach your financial goals, whether you want to grow your wealth, safeguard your money or protect you or your family.        

Important information

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

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Book an appointment

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.

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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.