Investments / savings

There are so many different ways to make your money grow and investing/saving can be the most financially rewarding. The right investment portfolio should reflect your tax position and align with your attitude to risk. It should further meet your requirement to generate income, growth or a combination of both.

Where requested we will conduct a detailed personal review of your current financial position, aspirations and objectives. We will assess all of the above factors with you before making recommendations and we will meet on a regular basis to review and ensure your objectives are being met.

Some of the main savings/investments available are:

ISA (Individual Savings Plan) - ISA's are available to all UK residents over 18 years of age and cash ISA's are available to all UK residents over 16 years of age. ISA's benefit all taxpayers as any income or capital gains received from investments within an ISA do not have to be declared to the taxman - TAX FREE!

Unit Trusts - are a popular investment vehicle as they are 'open ended collective investments' which means that the cash of many investors are put into one 'pooled' fund. The system allows investors to invest 'collectively' which has the benefits of spreading and reducing risk whilst keeping costs under control.

Investment Trusts are quite simply a company whose business is to invest in other companies. By buying shares in an investment trust, you are effectively gaining access to a wide share portfolio without the high costs this usually involves.

Unit Linked Savings Plans/Maximum Investment Plans are regular premium plans which buy units in various assets such as stocks & shares, commercial property, fixed interest and gilts.

There are many other ways to make your money grow and we are here to provide you with all the information you need to make an informed decision about where to invest your hard earned cash.

The value of investments and income from them may go down. You may not get back the original amount invested.