Making The Most of Your Money

We will explain everything to you in simple English


"Being rich is having money; being wealthy is having time."
- Stephen Swid


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Baking a Cake
​Investing is like baking a cake. You need to gather the right ingredients (investments) and follow the recipe (investment strategy). If you do everything right, you will end up with a delicious cake (financial success). However, if you make a mistake, such as using the wrong ingredients or not following the recipe carefully, your cake may not turn out as well as you hoped. This is why it is important to do your research and choose the right investments for your needs. It is also important to be patient, as it takes time for investments to grow. Just like a cake takes time to bake, it takes time for your wealth to grow. But if you are patient and disciplined, you can achieve your financial goals.
Investments differ from savings in that they have a level of risk. Risk is another word for volatility or how much it may go up and down. The ultimate aim of investing is to make money but there is the chance that you may lose money. More volatile investments generally make more money over time but the ride is usually bumpy. Lower risk investments tend to not to go up and down in value as much but do not tend to make as much money over time. With so many investments out there and with so many commentators expressing a different opinion, how do you know where to invest? Past performance is no guide of future returns, so, at ARM Associates, we do not even try to predict the future. There are some basic rules of investing that evidence shows increase the returns over time. Some are basic rules, such as no putting all your eggs in one basket. Others are more scientific, like using the relationships between different investments (correlation) to help to reduce the risk. We use "Modern Portfolio Theory", originally designed by Nobel Peace Prize winner, Harry Markowitz, to help to create a "balanced portfolio" for clients. All of our portfolios use our in house research and are tailored to your individual needs. Your portfolio can be used to grow your money, provide you an income or both. Tax efficiency sits beside everything that we do and any portfolio will try to minimise the tax that you pay. 


Past performance is not a guide to future performance. The value of investments and the income from them is not guaranteed and may go down as well as up and investors may not get back the full amount of their original investment.

"Money can't buy happiness, but it can make you awfully comfortable while you're being miserable."​ 
— Clare Boothe Luce

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At ARM Associates, we never take excessive risks with your money.

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“It is better to be roughly right than precisely wrong.”
— John Maynard Keynes, father of modern macroeconomics
Pensions are just a particular type of investment. We believe that they are very suitable for some people and less suited for others. Our goals is to take a holistic look at your goals and to invest in the most suitable investments from across the whole market.

At ARM Associates, we will never take excessive risks with your money. One of the methods that we use is not to put all of your eggs in one basket. Diversification reduces the risk. We will explain everything in simple English and will be there with you for the downs as well as the ups.
To buy when others are despondently selling and to sell when others are greedily buying, requires the greatest fortitude and pays the greatest reward.
- John Templeton
Authorised and regulated by the Financial Conduct Authority.

The value of your investments are not guaranteed.
The value of your investments can go down as well as up and you may get back less than you originally invested.