When it comes to pension and investment decisions I believe very strongly in the simple concept of not putting all your eggs in one basket and limiting your exposure to risk using asset allocation.

There are generally four main areas to consider in pensions and investments and these are called 'The Asset Classes' and they are:

• Cash

• Property

• Stocks and Shares - also known as equity

• Fixed Interest

Moving forward it is sensible to have diversification across the asset classes. Indeed research has shown that asset allocation is a powerful driver of future investment growth as the following highlights:

Where do investment returns come from?

Asset Allocation 91.50%
Fund selection 4.6%
Market Timing 1.5%
Other 2.1%

A key part of my advice process is to establish a diversified investment portfolio that matches my client's attitude to risk to maximize their future investment returns.

For a free independent assessment of your pensions and investments (including ISA's, PEP's and With Profit Bonds) please contact Matthew Berry, Chartered Financial Planner of Park Row on 07968 013 895, 01204 364484 or via email on matthew.berry@parkrow.co.uk