There’s no universal answer.

The right approach depends on your objectives, investment timeframe, liquidity requirements, attitude to risk and concerns about entering the market at a particular point in time.

Depending on your circumstances, investing immediately, phasing your investment over time or combining the two may all be worth considering. We can help you understand the implications before deciding what’s right for you.

It depends on what you may need your money for.

We’ll consider planned expenditure, near-term commitments, income requirements, emergency liquidity and your wider financial position before determining how much capital may be appropriate to invest.

The amount you have available to invest shouldn’t determine the amount of risk you take.

Your investment risk should reflect your objectives, timeframe, liquidity requirements, capacity for loss and how comfortable you are with fluctuations in value.

We’ll help you understand those trade-offs before building your investment strategy.

There isn’t a single figure that applies to every portfolio.

Potential outcomes depend on factors including your asset allocation, investment timeframe, market conditions, costs, tax and the amount of risk you are prepared to take.

Rather than starting with a headline return, we’ll start with what you need your capital to achieve and build an appropriate strategy around it.

There is no single structure that is right for everyone.

The appropriate approach will depend on factors including whether your capital is held personally, within a company, pension, trust, family structure or other entity, alongside your tax position and future objectives.

We can consider these issues as part of your wider strategy and involve relevant tax or legal specialists where appropriate.

Market movements are an unavoidable part of investing, which is why the amount you invest, when you invest and the level of risk you take should all be considered before committing substantial capital.

We can help you explore different approaches and understand the potential implications of market movements before you invest.