Investment Planning






Here at Hodge Bakshi Wealth, a fundamental part of our service is providing investment advice, we appreciate that everybody is unique and that how, and with whom you invest your money, is one of the most important decisions you will make.


We offer a comprehensive advice service that enables us to support your individual needs so that you can invest with confidence. We cannot possibly explain every aspect of investment planning via this page so please call us to arrange a meeting at our Cardiff office, or arrange for one of our Financial Planners to visit you at your home. 


Following your initial consultation, which is carried out free of charge, we will carry out an initial assessment of your current plans or ideas and map them against your long term goals to let you know if you are taking the right steps to creating a healthy financial future. 

The investment portfolio we recommend will match your needs. It will operate within clear boundaries, not deviating from the most appropriate portfolio for your circumstances. This helps to avoid what is known as “investment drift” – a situation where your investments start off meeting your needs but the overall portfolio soon changes over time as different assets perform at different rates. Once we understand your needs, and have agreed the amount of risk you are willing to take, we will build a comprehensive plan to help you achieve your goals.


Our investment analysis tools will show you how your current investments match the risk profile that we have agreed, identifying any of your existing investments you should keep and those which do not match your aims and attitude to risk.


We will also take into account how to invest in the most tax efficient way, dependent on your circumstances now and your expected tax position in the future.


Example Asset Allocation

Plans change because of what happens to you personally and what happens in the bigger world. Through engagement with our Ongoing Service Proposition we will regularly review your personal and financial circumstances to make sure your plan is on target and if we need to construct a new plan or tweak the one we’ve got.


Your Financial Adviser will discuss the Ongoing Service Proposition with you during your initial consultation and when completing your Financial Review, the service broadly provides:

Access to our secure online portal to view your policies, secure messages and document vault


An annual statement of your holdings


Annual review meeting to assess continued suitability of your investments


Access to our Administration & Technical Support team in Cardiff


Professional expertise and due diligence on products and investments


On-going access to a qualified financial adviser


Quarterly monitoring of investment solutions


Quarterly newsletters, monthly investment market updates and budget updates

When you start working with us, we will take some time to talk through your financial goals and map them………..

Placing your investment is important

Not only do we need to make sure your money is invested in the right funds and you that are aligned to the level of risk you are prepared to take, we need to make sure the most appropriate company is managing your money.


Hodge Bakshi Wealth follows a robust procedure to undertake due diligence on all the companies out there, which we review regularly. We do this to give you peace of mind, so you know that expert selection has taken place.


A very important feature is to make sure that we own the selection process and we take an unbiased approach when selecting a provider. This is called ‘owning the supply chain’ and something we take seriously.


Owning the supply chain

The Cambridge Dictionary Online defines supplier as a ​‘company, person, etc. that provides things that people want or need, especially over a long period of time.’ Hodge Bakshi Wealth makes sure we control this supply chain on your behalf, selecting the best providers of tax vehicles and fund choice.


In the model shown below, our advice process is independent from the provider, and only at the recommendation stage would we introduce the most appropriate provider and solutions to meet your needs.  Following appropriate due diligence reviews, we shortlist providers to those who provide the required solutions to meet client needs. Of course, nothing stays the same, so we conduct regular ongoing reviews to ensure that the provider remains suitable and appropriate. Hodge Bakshi Wealth owns the processes which are used to formulate advice.

The litmus test for any advisory firm is to ask how easy it would be to remove their business from the advice process and supply chain of the providers and/or platforms for each client. In other words, is there a reliance on providers to run the business, or are their services only called upon when required. In our case their services are called upon when required.


We take guidance from our regulator and other experts

We follow the advice given by The Financial Conduct Authority (FCA) and our compliance service provider because both have vast amounts of expertise and experience in setting out what make a good client outcome.


Our Method

We will firstly identify what type of investment vehicle you need, one that offers a single tax solution (for instance a pension) or a provider who can offer a number of different tax vehicles. We will also identify if a Platform (a product with more than one tax wrapper) or a Product is the most suitable.


We will make sure that we explore all the possible solutions and make a choice best suited to our clients’ needs.


Our due diligence procedure is supported by the Regulator expectation, in other words what the experts see as best practice.

If you’re thinking about saving or investing, it can be difficult to decide on the best place to put your money. There are hundreds of different accounts on offer from banks, building societies and investment companies. So how do you make your choice? For many people, taking out an ISA (Individual Savings Account) can be a good place to begin.


An ISA is a tax-efficient way to save or invest. The advantage of these types of account is that you don’t pay tax on the interest you earn, or the increase in value of your investments (no capital gains tax to pay) and some deliver a government bonus. There are now several different types of ISA available, designed by the government to encourage people over 16 to save or invest for their or their children’s future.


The basic types of ISA are:


Cash ISAs

Help-to-Buy ISAs

Innovative Finance ISAs

Lifetime ISAs

Stocks and Shares ISAs

Junior ISAs

We’re here to help

We’re only a phone call away, so if you have any questions or would like to discuss your investments options, please do get in touch.


The value of investments and income from them can go down as well as up. You may not get back the original amount invested. Information based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change. Past performance is not a reliable indicator of future performance. A pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.