Investments

Our lives are constantly changing, single, getting married, divorced, starting a family, retiring, etc. and our finances should be reviewed on a regular basis and particularly at each new life event.

As Independent Financial Advisers, we monitor the market on a daily basis and have access to a wide range of different investment opportunities. This enables us to select the best product for your needs, providing the most tax-efficient solution. Initially, we will ascertain your financial goals and aspirations, and the level of risk you wish to take, before recommending any particular product.

As we deal with the whole of the market, we can advise on all investment products, ranging from Cash and Stocks and Shares ISAs to Unit Trusts, Investment Bonds (onshore and offshore), National Savings Products and Trusts. Each individual can save up to £20,000 and frozen until further notice, in a stocks and shares ISA, a cash ISA, or a mixture of both.

Perhaps you would like to set up a Junior ISA for your children and build up a fund until they reach 18? Did you realise you can contribute £9,000 for the year 2023/24.

LISA - This new savings vehicle is aimed at savers under the age of 40. The LISA limit of £4,000 counts towards the annual ISA limit of £20,000. The funds must be used as a deposit to purchase one’s first home or for retirement from age 60. The government bonus will be applied annually in the first year and monthly from April 2018.  

Unit Trusts are collective investment schemes which invest in a wide and diversified range of shares, asset classes, sectors and regions. Disposals are subject to captial gains tax and income distributions are subject to tax at your marginal rate.

National Saving Certificates and Savings Bonds can be good options depending on your circumstances, these are govermnent schemes and therefore in theory carry some of the lowest level of risk. If you are a higher rate tax payer, you may wish to consider an investment bond, either offshore or onshore depending on your circumstances, giving you a tax deferred income, either now or in retirement, giving you 5% per annum (original investment) tax deferred annual income for up to 20 years.

We are happy to advise on the best solution for your individual needs and will regularly review your funds to ensure they continue to meet your objectives.

All Investments carry a degree of risk, National Savings products carry one of the lowest forms of risk whereas equities and shares carry the highest level of risk. The value of your investments where invested in shares, government and corporate bonds may fall as well as rise and the value is not guaranteed at any time, you may get back less than your original investment. Risk Warnings: Tax treatment is dependent on individual circumstances and may be subject to change in the future NS&I products are not regulated by the Financial Conduct Authority. Tax Planning advice is not regulated by the Financial Conduct Authority.