Building Your Wealth

Savings and Investments

Investment planning revolves around a good understanding of what your investment aims are. We are here to help you choose the right investments and advise you towards your financial goals.

There are many types of investment, each of which has a different structure, different tax treatment and investor implications. Here a selection of our most popular:

Stocks & shares (equity)

For long term investing, the stock market can bring greater rewards as you have the possibility of gaining not only a dividend - a proportion of the company's after tax profits distributed to shareholders - but also a capital appreciation if the price of the shares goes up.



A NISA enables you to accumulate savings in a tax efficient manner as all gains are free from tax, making them particularly attractive to higher rate taxpayers. A NISA can contain cash deposits, investments in equities, bonds and collectives up to £15,000 per year.


Junior ISA

Individual Savings Accounts for children or Junior ISAs were introduced in November 2011 replacing Child Trust Funds. They are long term, tax-free savings accounts for children.


Unit Trusts

A unit trust is a large fund of monies and/or investments pooled together and controlled by trustees with the aim of gaining capital appreciation, income, or both. Unit Trusts are made up of 'units'. Each unit will have both a buying price and a selling price. The number of units held, multiplied by the current price, gives the current value of an investor’s holding.


Investment Trusts

An Investment Trust also works in a similar way to Unit Trusts and OEICs, with the major difference being that Investment Trusts are companies listed on the London Stock Exchange whose sole purpose is to invest their shareholders funds in shares of other companies or securities.


Capital Investment Bonds

Capital Investment bonds are designed to give capital growth and/or income over the medium to long term with access to your money by taking regular or one off withdrawals. Most bonds are designed for investment over at least five years. If you cash in your investment before that time, you are likely to be charged an early-surrender penalty.

Fixed interest

Traditionally a safer form of investing with less risk – but also less reward. A Corporate Bond invests in high yielding, Sterling denominated, Corporate and Government Bonds and this is essentially a loan which the investor, or bondholder, makes to the Company/Government for a fixed period.


With Profits

A with-profits policy is a type of investment fund. Policies that are with-profits give the insured the extra benefit of a possible bonus that is a share of the profits from the funds that the premiums have been invested in.


Investing in your future

We can provide you with expert advice in all aspects of investment. We will help you establish an appropriate strategy using the investments best suited to your investment attitude and tax position, tailored to your individual needs, whether your concerns are in:

  • Tax efficient saving - onshore and offshore,
  • Regular and lump sum savings,
  • Short and long term savings or
  • Portfolio management.

We will ensure that your financial plan, once agreed, stays on track to meet your goals, whilst remaining fully flexible to any changes in your circumstances and objectives."




For More

To find out more about our Personal and Business Financial Planning services or to arrange a no-obligation appointment, please contact us.

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