In the next instalment in our series of exclusive interviews with industry experts, Stuart Harding, Chief Operating Officer at One Four Nine Group, provides his insight on the biggest growth opportunities and most common risks for investors, and discusses his company’s approach to investing.
1.) What tax-efficient schemes does your company work with, and how do you offer a unique/compelling approach for advisers?
Our company works with a variety of tax-efficient schemes, including ISAs, SIPPs, venture capital trusts (VCTs) and Enterprise Investment Schemes (EIS). Our unique approach lies in our comprehensive analysis of each client’s financial situation alongside their goals, allowing us to tailor tax-efficient solutions that maximise their benefits while minimising risks. We prioritise transparency and client education, ensuring that advisers fully understand the intricacies of each scheme and can confidently recommend the most suitable options to their clients.
2.) How active are you in providing education to advisers on the types of clients that are suitable for these types of investments, as well as any changes in regulation or nuances in the existing rules?’
We are active in providing education to advisers on the suitability of different tax-efficient investments for various client profiles. Through regular training sessions, webinars, and educational materials, we keep advisers updated on changes in regulations, nuances in existing rules, and best practices in recommending tax-efficient schemes. Our goal is to empower advisers with the knowledge and tools they need to make informed decisions and provide the best possible advice and outcomes to their clients.
3.) Where and in which types of companies are you seeing the biggest growth opportunities?
We see significant growth opportunities in companies operating in emerging industries such as technology, renewable energy, and healthcare. These sectors offer substantial potential for capital appreciation and are often at the forefront of innovation. Additionally, companies with a strong focus on sustainability and ESG (environmental, social, and governance) principles are increasingly attractive to investors, presenting growth opportunities in responsible investing.
4.) What do you see as the biggest risks for investors?
The biggest risks for investors vary depending on their individual circumstances and investment goals. However, some common risks include market volatility, economic downturns, geopolitical events, and company-specific risks such as poor management or financial instability. It is essential for investors to diversify their portfolios, conduct thorough research, and seek professional advice to mitigate these risks effectively.
5.) Should advisers be worried about a lack of diversification, and why?
Yes, advisers should be concerned about a lack of diversification in their clients’ portfolios. Diversification is a fundamental principle of risk management, as it helps spread investment risk across different asset classes, sectors, and geographic regions. A lack of diversification exposes investors to higher levels of risk, particularly if their portfolios are concentrated in a single asset class or sector. By diversifying their investments, advisers can help protect their clients’ portfolios from the adverse effects of market fluctuations and unexpected events.”
