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  • Investments

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

    Tax treatment varies according to individual circumstances and is subject to change.

    Most of our clients who contact Keystone Wealth Management have one thing in common:
    They're striving to build the value of their capital. Their approaches to savings and investments , however do vary considerably.
    As our client, you will have access to our detailed Attitude to Risk profiler. Your replies to some basic questions will assist us in establishing your attitude to risk versus reward.
    We will then use this short analysis to create an investment strategy that suits your outlook, one you are comfortable with.

    For example, a “highly confident and brave” client may be quite happy to take greater risks with their funds, in the hope of greater return on investment.
    If you are more “cautious” in nature, you may be more comfortable with lower returns and a greater degree of security.
    Our team believes in matching your investments to your attitude to risk. You can be sure that the products and funds chosen are right for you.

    By matching your investments to your attitude to risk, you can be sure that the products and funds chosen are right for you.

    Continuous monitoring ensures that poorly performing assets are quickly replaced and returns meet the expectations set by our investment committee.

    For more experienced investors, we also offer the opportunity to choose external managers and funds that you feel meet your investment objective.

    We can review your investment strategy and portfolio on an ongoing basis, amending and rebalancing as your circumstances change. By offering you experience, quality and flexibility, you can look forward with confidence to building a long-term investment strategy.

    Individual Savings Accounts

    Every tax year end marks the end of an annual opportunity to take advantage of one of the few tax benefits now available.

    The ISA was introduced in 1999 to encourage individuals to save by providing a wrapper into which they could place different investments, such as stocks, cash and insurance. The big advantage is that all returns are tax-free, so any investment held within an ISA will not be liable for capital gains or income tax.

    Investment Bonds

    Insurance companies offer investment bonds that can be linked to funds invested in equities, fixed interest funds, property funds, or with-profit funds. They also offer a high degree of income flexibility in that it is possible to withdraw a monthly income at a level determined by each investor. This can be a very attractive feature provided care is taken to ensure that income withdrawn is no greater than the returns generated by the fund.

    The value of pensions and investments can fall as well as rise. You may get back less than you invested.