We are not looking to invest in tomorrow’s big winners, as often these solutions can turn out to be the big losers. Instead we seek to build portfolios that aim to achieve steady, consistent performance without the constant worry of loss and extreme fluctuations.

In many instances, the underlying investments are just as important as the vehicle used to access them, not least because different investment vehicles have subtly different tax treatments. Using the right combination of investment vehicle, be they ISAs, OEICS, investment bonds, direct holdings, annuities or trusts to name but a few, can significantly enhance long term performance without taking on additional risk.

Unlike many adviser firms Lowes have an experienced, in-house Investment management team who in conjunction with the Technical Department help determine the underlying constituents of portfolios and the appropriate asset allocation with a view to providing the best returns for clients for an appropriate level of risk and without an unwelcome tax burden.

Clients receive regular updates and information concerning their investment portfolio, including a bi-annual portfolio valuation report complete with a commentary on the economic and investment environment. Current valuations and commentary are also available through the Lowes website. The quarterly Lowes magazine features a market update and more investment insight, while the blog provides information on the latest investment issues.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.