Investing

Whether you've inherited it, worked hard for it or just been very careful with it, money always needs to be properly managed. We can help you find your ideal balance between risk and return, creating an investment portfolio that suits you and makes your money work as hard as it can.

You may have sought advice in the past and have existing investments; however these may not have been actively reviewed for some time and may now no longer suit your objectives. As part of our commitment to you, we are happy to review your existing arrangements and will always take the time to create a portfolio that fully reflects your own objectives.

Individual Circumstances

One of our key roles in assisting clients is helping them plan what risk they can afford to take and what risk they need to take. Whilst the vast majority of individuals would always like more money, most people achieve a lifestyle they are very comfortable with at some point. When this is achieved, the risk of trying to achieve higher investment returns can be counterproductive as the damage of a poor return far exceeds the benefit from being a little wealthier.

Another aspect where financial planners play an important role is in the construction of portfolios in terms of which asset classes are held where. For example it makes more sense to hold fixed income investments in a pension or ISA than 'directly' in one's own name as 20% income tax on the interest is reclaimed. Many people tend to hold their equity style investments in these wrappers to take advantage of the capital gains tax allowance, but never actually use their annual CGT limit. With the current CGT allowance at £10,100, a married couple can realise £20,200 of investment gains every year without paying any tax. Very few people ever do this. It is only a financial planner who has a view on all of a client's assets who is in a position to give this type of advice.

Levels, bases of, and reliefs from taxation are subject to change. Investments can go down as well as up and past performance is no guarantee of future performance. Tax Planning is not regulated by the FSA