Investments
Choosing the right investment for you
Invest in your future with confidence
Only you know the life you want to lead. People value different things and these may change throughout your life. So, your investment choices are as individual as you are.
We understand that wherever you are in life, your financial position and how you feel about risk is crucial to making a sound investment decision.
Time to invest in some expert advice
Even the most financially astute people need some professional guidance. By getting to really know you, we can help you:
- take advantage of tax-efficient investments such as ISAs;
- select a diverse range of products that meet your risk comfort zone;
- match products that respect your ethical and environmental beliefs;
- understand your options and support you on your investment journey.
To discover an investment solution that fits perfectly with your needs, aspirations, and lifestyle, contact us today.
Fund of funds
Fund of Funds are investment funds that invest in a range of collective investments rather than investing directly into shares, or corporate bonds.
ISAs
Open-Ended Investment Companies are the modern day equivalent of the unit trust. From an investor’s perspective they are very similar to unit trusts.
Bonds
Bonds are a valuable investment instrument that can provide both security and income. When you invest in bonds, you essentially lend money to corporations, governments, or municipalities in return for regular interest payments and the repayment of the principal amount at maturity.
How To Invest Your Pension Savings
As part of the process of choosing a pension it is important to consider how you would like your money to be invested.
To discover an investment solution that fits perfectly with your needs, aspirations, and lifestyle, contact us today.
Fund of funds
Fund of Funds are investment funds that invest in a range of collective investments rather than investing directly into shares, or corporate bonds.
ISAs
Open-Ended Investment Companies are the modern day equivalent of the unit trust. From an investor’s perspective they are very similar to unit trusts.
Bonds
Bonds are a valuable investment instrument that can provide both security and income. When you invest in bonds, you essentially lend money to corporations, governments, or municipalities in return for regular interest payments and the repayment of the principal amount at maturity.
How To Invest Your Pension Savings
As part of the process of choosing a pension it is important to consider how you would like your money to be invested.
Additional Services
Structured Products
Structured products are investment instruments that combine various financial components into a single package. They offer customized investment opportunities based on specific goals and risk tolerance. These products provide predefined returns linked to underlying assets or indices and can offer features such as capital protection and enhanced returns.
Unit Trusts and OEICs
Unit trusts and OEICs (open-ended investment companies) are structures where many investors put their cash into one fund which can then be invested in the stock market. They allow much greater diversity than you could get by investing yourself.
Investment Trusts
Investment trusts are investment vehicles that pool funds from multiple investors to create a diversified portfolio of assets, such as stocks, bonds, and real estate.
They offer the potential for long-term capital growth and income through dividend payments, making them an attractive option for those seeking to invest in a wide range of assets while benefiting from the expertise of professional management teams
Lifestyle and Target-Date Funds
Lifestyle and target-date funds shift their investment profile as you move towards your selected investment end date. They start off with a higher allocation of equity investments such as shares and then move part or all of the fund to cash and bonds as they approach their target date.
Exchange Traded Funds (ETF)
This is a relative newcomer to collective investments, but with time Exchange Traded Funds are anticipated to become very popular. They enable investors to buy into whole indices and sectors as easily as single shares in a company.
Personal Allowance
Some of the income you earn is tax free, up to your personal allowance, each year. For most people their personal allowance is £12,570, which means you can earn up to £12,570 each year before paying any tax.
Benefits in Kind
Benefits in kind are benefits which employees or directors receive from their employment but which are not monetary benefits such as salary, bonuses, commission etc. It is designed to levy income tax on the value of the non-cash benefits such as a company car, private medical insurance (if it’s paid for by your employer) and subsidised or free loans.