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Investment Advice
What Type of Investment is Right for Me?
If you’re new to investing then you may end up getting confused with the different investments available and where to start looking. Mutual funds, ETFs, individual stocks and bonds, closed-end mutual funds, real estate, various alternative investments, and owning all or part of a business. These are just a few examples.
This choice becomes much easier and smoother with our advisers. We take you through our Risk Profile Questionnaire to understand what “risk” means to you and build up your profile, enabling us to choose the right investments and strategy for you that matches your tolerances and goals.
Investment Advice
Explore Our Investment Solutions
Choosing the right investment structure is an important part of building a strategy that reflects your goals, time horizon, and need for flexibility. Explore the solutions below to learn more about the investment approaches we advise on.
Lump Sum Investments
If you have capital available to invest, a lump sum investment can help put your money to work immediately through a strategy aligned with your objectives, timescale, and attitude to risk
Discover Lump Sum Investments →
Offshore Bonds
Offshore bonds can offer tax-efficient growth and planning flexibility, particularly for internationally mobile individuals and families seeking a long-term wealth structuring solution.
Discover Discover Offshore Bonds →
General Investment Accounts
A general investment account offers a flexible way to invest outside of pension or bond structures, making it suitable for those looking to build wealth while retaining access to their funds.
Discover General Investment Accounts →
Common Investment Questions
Clear, straightforward answers to some of the most important questions investors ask when building a long-term strategy.
Is the time right for you to invest?
Trying to predict the “right time” to invest is a common concern, but consistently timing the market is extremely difficult and often leads to poorer long-term outcomes.
For long-term investors, focusing on a structured investment approach is typically more effective than reacting to short-term market movements. A well-planned strategy can help manage risk while keeping your long-term goals on track.
Our advisers work with you to understand your objectives and build a strategy that aligns with your time horizon and comfort with risk.
I don’t like the stock market. Can I invest without taking risk?
It is natural to feel cautious about investing, particularly during periods of market uncertainty. While markets have historically delivered strong long-term returns, they can also experience short-term volatility.
It is important to understand that all investments carry some level of risk. Avoiding risk entirely often means accepting lower returns or reduced purchasing power over time.
That said, risk can be managed. Through diversification, asset allocation, and careful portfolio construction, it is possible to build an investment approach that balances growth potential with a level of risk you are comfortable with.
Is it expensive to invest?
Investing does not need to be expensive, but costs can vary significantly depending on the structure and advice you receive.
Many investment solutions include layers of fees that are not always immediately clear. Over time, these costs can have a meaningful impact on your overall returns.
At SJB Global, we focus on transparent and cost-efficient solutions. By carefully selecting investments and structuring portfolios with cost in mind, we aim to help you retain more of your returns over the long term.
Even small differences in fees can compound over time, making cost efficiency an important part of any investment strategy.
How We Manage Your Investments
From defining your risk profile to maintaining the right asset allocation, our approach is designed to evolve with you over time.
Asset Allocation
Choosing the right asset allocation is paramount. This will differ depending on age, your investment time horizon and attitude to risk, and is generally spread across stocks, bonds, and money market funds. The outcome of having the correct allocation is minimising the risk across your whole portfolio
Attitude To Risk
First, we need to understand what best describes your attitude to risk, whether that’s low risk, medium risk, high risk, or something in between. The types of investments chosen will depend on your risk appetite and the larger the risk you take, the larger your potential is for gains as well as losses.
Review
Investments need to be reviewed regularly as your attitude to risk changes. This will happen as you progress through stages of your life, market conditions change, and other options become available. For example, someone who is retired will usually take less risk than a 30-year-old who will continue to contribute to their pension for a long time to come. We conduct thorough annual reviews with every client, as well as quarterly updates on the progress towards their goals.
Ready to Take the Next Step?
Whether you’re starting your investment journey or reviewing an existing portfolio, we’re here to help you make informed, confident decisions. Speak with one of our advisers to explore your options and build a strategy aligned with your goals.
What does the obligation free call include?
An initial 15-minute introduction call explaining our services and how we can help.
We go through a fact-finding exercise so we can then provide a full financial planning report including a personalised retirement forecast with future projections and work out how on track you are.
Lastly, we will provide a recommendation on any areas where we feel you could improve.
Who is SJB Global and meet your adviser
Our regulations, Independence and Fees
Our process from start to finish
Area we help with including:
UK Pension Advice
Retirement Planning
Investment Planning
Tax Planning
US Expat Services
International Estate Planning
Note: Minimum managed assets for SJB Global is £100,000 or currency equivalent.
Licensing & Regulations
Nexus Global specialises in providing a regulatory platform and compliance support to international financial advisers and intermediaries to enable them to meet regulatory requirements to provide their clients with a professional service. The financial advisers trading under SJB Global are members of Nexus Global. Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI). All approved members of Nexus Global are appointed representatives of BFMI. BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC) and bound by the rules under licence number 3647: http://www.fsc.gi/regulated-entity/blacktower-financial-management-international-limited-3647.