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Investments
Growing your Wealth
Making your money Work
We plant seeds so one day we can eat the fruits, but it helps to know what grows best and how to carefully nurture them when needed. We have expertise in all types of investments and can help you choose the most appropriate to you and your family.
The value of 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.
For ISAs, Investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.
Tax treatment varies according to individual circumstances and is subject to change.
Stocks and Shares ISAs invest in Corporate bonds; stocks and shares and other assets that fluctuate in value.
Taxation advice is not regulated by the Financial Conduct Authority.
ISAs
- ISA stands for Individual Savings Account. The main difference between an ISA and any other savings account is that it offers tax-efficient growth
- The ISA allowance for 2024/2025 tax year is £20,000
- You can invest in a Cash ISA, a Stocks and Shares ISA or both
Junior ISAs
- This is a tax-efficient savings account which under-18s can save or invest up to £,9000 in the current tax year (2024/2025)
- You can invest in a Cash ISA, a Stocks and Shares ISA or both
General Investment Accounts
- A general investment account (GIA) is a simple way to hold investments outside of a tax wrapper such as a pension or ISA
- A GIA does not offer tax relief, but have few limitations on the type of investments that can be made
Investment Bonds
- An investment bond is a life insurance policy whereby you invest a lump sum in a variety of available funds
- Some investment bonds run for a fixed term, others have no set investment term
- How much you get back depends on how well or how badly the investment has done
- Minimum investment is usually between £5,000-£10,000
We can also help you with...
Pensions
- Planning Retirement
- Approaching Retirement
- Annuities
- Income Drawdown
- Pensions and Divorce
Charities
- Investment Policy Statement (IPS)
- Review of Existing Investments
- Cash Flow Modelling
