Financial Services / Personal Investment Strategy

Personal Investment Strategy

Martin Hatton DipFA, MAQ

Financial Planning Manager

[email protected]

01142664432

Investing for the future and the potential options available can be a difficult area to navigate. We are therefore able to help you construct a suitable investment strategy that is designed to meet your objectives. Whether you are looking to generate returns of the investment markets, or wish to consider alternatives to holding your money via traditional savings accounts, we will guide you through the various options and recommend the most suitable solution for you. This could include investment bonds, unit trusts or even Discretionary Fund Management that that all work together and are designed to meet your needs. It goes without saying that we’ll help you make the most of any tax allowances that are available where appropriate, such as the Individual Savings Accounts (ISAs) which enable you to shelter some of your savings from the taxman. To arrange an initial meeting with one of our financial advisers call 0114 266 4432.

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

ISAs

Individual Savings Account (ISA / NISA) are a way of saving and investing without paying any tax on the returns you make.

Tax Reducing Investments

They are all initiatives sponsored by the government to encourage investment into smaller unquoted companies. Broadly speaking, they are a way for small companies to raise large amounts of capital in a short period.

Offshore Bonds

The main tax benefit of investing in an offshore bond is gross roll-up. Gross roll-up means that any underlying investment gains are not subject to tax at source – apart from an element of withholding tax.

Investment Bonds

Investment bonds are life insurance policies where 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. When you cash investment bonds in, how much you get back depends on how well - or how badly - the investment has done.

General Investment Accounts

A general investment account (GIA) is a flexible account used to hold a wide range of different investments.