top of page

INVESTMENT

Individual Savings Accounts (ISAs)

Originally introduced in 1999, ISAs now come in various forms, offering a 'offering a tax-efficient environment for your savings with a new allowance provided each fiscal year.

Investment Bonds

Bonds are generally considered lower risk compared to equities, providing a more predictable income stream, making them attractive to more conservative investors and portfolio diversification.

Collective Investments

UK Collective Investments, such as Open-Ended Investment Companies (OEICs), provide an efficient way to access a broad range of assets, spreading risk and simplifying investment decisions.

Pension Investments

When it comes to investing Pension allowances should not be ignored. They offer unparalleled tax breaks. For example, a Higher Rate Taxpayer investing their full annual allowance of £60,000, will cost just £36,000.

Alternative Investments

AIM market investments can be a strategic component of a diversified investment portfolio, particularly when investing through tax efficient vehicles like  Enterprise Investment Schemes (EISs), and Business Property Relief (BPR). These are High Risk products and should only be considered by experienced investors only

Our aim is to ensure our investment advice based on your sentiments, tailored to your circumstances, and targeted towards specific needs. Our qualified advisers can help you develop strategies you are comfortable with and which align with your objectives, utilising any allowances or utilising appropriate tax-advantageous investment wrappers.​

The True Cost of Deposit Accounts According to research conducted by AJ Bell, in 2023 "the nation’s savings could have collectively lost as much as £113 billion over the year in real terms, based on current inflation and assuming savings were earning the average easy-access rate." Meanwhile banks utilise these funds commercially through lending or investments, reaping the real benefits of your money’s potential, and typically earn significantly more than the low levels of interest paid to you. Essentially, you are lending the bank money, and for this privilege, they pay you as little as possible whilst charging borrowers as much as they can. This imbalance highlights why deposit accounts are not an effective long-term investment strategy, as their true value is continually eroded by inflation. ​Managing Risk Through Diversification ​We fully understand the trepidation some clients feel about stock market's volatility, and the fear of losing their hard-earned money is entirely understandable. However, this choice is not binary. There are many solutions available, allowing individuals to choose their level of risk exposure, and even for the most adventurous investor, our recommendations are based on a broad and varied array of investment components, minimising risk through diversification.

LEGAL DISCALIMER

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

You should only consider these products if you are willing to take some risk with your capital. We will consider whether such products are suitable for you before recommending an investment.

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

Alternative Investment Markets (AIM),Enterprise Investment Schemes (EISs) and Business Property Relief (BPR) invest in assets that are high risk and can be difficult to sell, even after taking into account the tax benefits. These are High Risk products and should only be considered by experienced investors only

bottom of page