Investments

We know that the performance of your investments could make a significant difference to your financial situation in the future. There are many styles of investments and tax wrappers on the market. We feel it is important that investors utilise tax allowances where appropriate and affordable. We work with our clients to help create a tailored and unique investment strategy with the aim of meeting their aspirations over the longer term.

ISAs – a tax-free vehicle whereby investments may be made by either lump sums or regular payments into either stocks and shares, corporate bonds, cash or a mixture of both. ISAs could be useful in many portfolios as there is no tax to pay on any gain that is made on the investments or on any income received. ISA allowances are lost each tax year if not utilised.

Unit trusts/OEICs – These are a collection of either shares or bonds and which as a result provide the investor with a spread of risk, rather than having all their assets exposed to one company.  Income received from them may be liable to Income tax. Any gains realised from selling them would be potentially liable to capital gains tax.  We can offer guidance on how to utilise your Capital Gains tax allowances (CGT) to help mitigate tax.

Capital Investment Bonds – these are predominantly available via life insurance companies and allow you to invest in a range of funds managed by professional investment houses. They are designed to produce long term capital growth, in addition, depending on your circumstances, these products may be useful when looking to provide tax deferred income.

Additional Investment Structures – As every client has different needs we also advise on other more specialist investments such as:

Levels and bases of reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor.

The value of your investment can go down as well as up and you may not get back the full amount invested.

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